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$16,307
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,815
−HK$515/mo
Today · 4.125%
HK$17,330
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,660/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,142
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$494/mo
Today · 4.125%
HK$19,122
baseline
▲ 0.50% · 4.625%
HK$20,130
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,244/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,569
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$619/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,354
−HK$592/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,156
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,830
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$722/mo
Today · 4.125%
HK$24,262
baseline
▲ 0.50% · 4.625%
HK$25,738
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,524/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,398
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,080
−HK$691/mo
Today · 4.125%
HK$26,771
baseline
▲ 0.50% · 4.625%
HK$28,182
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,542/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,353
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,266
−HK$928/mo
Today · 4.125%
HK$31,194
baseline
▲ 0.50% · 4.625%
HK$33,092
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,388/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,655
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,531
−HK$888/mo
Today · 4.125%
HK$34,419
baseline
▲ 0.50% · 4.625%
HK$36,234
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,838/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,546 · 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).