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$1,025/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$517/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,951 · 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$214,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,606
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,216
−HK$619/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$214,951 · 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$214,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,873
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,585
−HK$723/mo
Today · 4.125%
HK$24,308
baseline
▲ 0.50% · 4.625%
HK$25,787
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,616/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,951 · 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$214,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,408
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,323
−HK$930/mo
Today · 4.125%
HK$31,253
baseline
▲ 0.50% · 4.625%
HK$33,154
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,506/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,951 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,717
−HK$1,767/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$214,951 · 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).