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$16,330
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,838
−HK$516/mo
Today · 4.125%
HK$17,354
baseline
▲ 0.50% · 4.625%
HK$18,410
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,708/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,167
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,655
−HK$494/mo
Today · 4.125%
HK$19,149
baseline
▲ 0.50% · 4.625%
HK$20,158
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,298/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$619/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$594/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,862
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,574
−HK$722/mo
Today · 4.125%
HK$24,296
baseline
▲ 0.50% · 4.625%
HK$25,774
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,592/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,434
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,116
−HK$692/mo
Today · 4.125%
HK$26,808
baseline
▲ 0.50% · 4.625%
HK$28,221
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,616/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,395
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,309
−HK$929/mo
Today · 4.125%
HK$31,238
baseline
▲ 0.50% · 4.625%
HK$33,139
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,476/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,701
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,578
−HK$890/mo
Today · 4.125%
HK$34,468
baseline
▲ 0.50% · 4.625%
HK$36,285
+HK$1,817/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,936/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,849 · 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).