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$16,337
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,845
−HK$516/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,662
−HK$494/mo
Today · 4.125%
HK$19,156
baseline
▲ 0.50% · 4.625%
HK$20,166
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,312/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,604
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,214
−HK$619/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$22,101
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$594/mo
Today · 4.125%
HK$22,988
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,211/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,976/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,583
−HK$723/mo
Today · 4.125%
HK$24,306
baseline
▲ 0.50% · 4.625%
HK$25,785
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,612/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,444
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,127
−HK$692/mo
Today · 4.125%
HK$26,819
baseline
▲ 0.50% · 4.625%
HK$28,233
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,638/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,406
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,321
−HK$929/mo
Today · 4.125%
HK$31,250
baseline
▲ 0.50% · 4.625%
HK$33,152
+HK$1,902/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,500/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,714
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,591
−HK$891/mo
Today · 4.125%
HK$34,482
baseline
▲ 0.50% · 4.625%
HK$36,299
+HK$1,817/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,964/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,934 · 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).