The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$16,309
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$516/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,386
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$494/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$619/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$592/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$721/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,082
−HK$691/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,356
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,269
−HK$928/mo
Today · 4.125%
HK$31,197
baseline
▲ 0.50% · 4.625%
HK$33,095
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,394/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,658
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,534
−HK$889/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,237
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,846/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,566 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).