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$16,308
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$516/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,662/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,629
−HK$494/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$619/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,771
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$592/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,541
−HK$722/mo
Today · 4.125%
HK$24,263
baseline
▲ 0.50% · 4.625%
HK$25,739
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,526/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,400
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$691/mo
Today · 4.125%
HK$26,772
baseline
▲ 0.50% · 4.625%
HK$28,183
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,544/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$927/mo
Today · 4.125%
HK$31,195
baseline
▲ 0.50% · 4.625%
HK$33,093
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,390/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,532
−HK$889/mo
Today · 4.125%
HK$34,421
baseline
▲ 0.50% · 4.625%
HK$36,235
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,842/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,556 · 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).