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$16,313
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$515/mo
Today · 4.125%
HK$17,336
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,672/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,148
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$494/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,137
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,258/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$618/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$592/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$721/mo
Today · 4.125%
HK$24,270
baseline
▲ 0.50% · 4.625%
HK$25,747
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,540/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,407
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,089
−HK$691/mo
Today · 4.125%
HK$26,780
baseline
▲ 0.50% · 4.625%
HK$28,192
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,560/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,277
−HK$928/mo
Today · 4.125%
HK$31,205
baseline
▲ 0.50% · 4.625%
HK$33,104
+HK$1,899/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,410/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,667
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,543
−HK$889/mo
Today · 4.125%
HK$34,432
baseline
▲ 0.50% · 4.625%
HK$36,246
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,864/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,622 · 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).