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$1,022/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$515/mo
Today · 4.125%
HK$17,329
baseline
▲ 0.50% · 4.625%
HK$18,384
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,658/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,141
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,628
−HK$493/mo
Today · 4.125%
HK$19,121
baseline
▲ 0.50% · 4.625%
HK$20,129
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,242/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$618/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$593/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,155
+HK$1,209/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$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,830
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,540
−HK$721/mo
Today · 4.125%
HK$24,261
baseline
▲ 0.50% · 4.625%
HK$25,737
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,522/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,398
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,079
−HK$691/mo
Today · 4.125%
HK$26,770
baseline
▲ 0.50% · 4.625%
HK$28,181
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,540/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,352
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,265
−HK$928/mo
Today · 4.125%
HK$31,193
baseline
▲ 0.50% · 4.625%
HK$33,091
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,386/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,654
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,530
−HK$888/mo
Today · 4.125%
HK$34,418
baseline
▲ 0.50% · 4.625%
HK$36,233
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,836/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,540 · 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).