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$16,338
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$516/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,724/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,176
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,663
−HK$495/mo
Today · 4.125%
HK$19,158
baseline
▲ 0.50% · 4.625%
HK$20,168
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,316/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$620/mo
Today · 4.125%
HK$20,835
baseline
▲ 0.50% · 4.625%
HK$22,103
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,670/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,811
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,396
−HK$593/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,201
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,873
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$722/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,446
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,129
−HK$692/mo
Today · 4.125%
HK$26,821
baseline
▲ 0.50% · 4.625%
HK$28,235
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,642/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,408
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$929/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,902/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,716
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,594
−HK$890/mo
Today · 4.125%
HK$34,484
baseline
▲ 0.50% · 4.625%
HK$36,302
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,968/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,949 · 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).