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$16,314
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,821
−HK$516/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,391
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,674/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,149
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,635
−HK$494/mo
Today · 4.125%
HK$19,129
baseline
▲ 0.50% · 4.625%
HK$20,138
+HK$1,009/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$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$619/mo
Today · 4.125%
HK$20,804
baseline
▲ 0.50% · 4.625%
HK$22,070
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,608/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$593/mo
Today · 4.125%
HK$22,955
baseline
▲ 0.50% · 4.625%
HK$24,165
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,910/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,839
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,549
−HK$722/mo
Today · 4.125%
HK$24,271
baseline
▲ 0.50% · 4.625%
HK$25,748
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,542/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,408
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,090
−HK$691/mo
Today · 4.125%
HK$26,781
baseline
▲ 0.50% · 4.625%
HK$28,193
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,562/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,364
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,278
−HK$928/mo
Today · 4.125%
HK$31,206
baseline
▲ 0.50% · 4.625%
HK$33,105
+HK$1,899/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,412/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,668
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,544
−HK$889/mo
Today · 4.125%
HK$34,433
baseline
▲ 0.50% · 4.625%
HK$36,248
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,866/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,629 · 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).