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$16,317
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$516/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,395
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,152
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,639
−HK$494/mo
Today · 4.125%
HK$19,133
baseline
▲ 0.50% · 4.625%
HK$20,141
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,266/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,580
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,189
−HK$619/mo
Today · 4.125%
HK$20,808
baseline
▲ 0.50% · 4.625%
HK$22,074
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,616/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,782
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,367
−HK$592/mo
Today · 4.125%
HK$22,959
baseline
▲ 0.50% · 4.625%
HK$24,170
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,918/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,843
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,554
−HK$722/mo
Today · 4.125%
HK$24,276
baseline
▲ 0.50% · 4.625%
HK$25,753
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,552/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,413
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,094
−HK$692/mo
Today · 4.125%
HK$26,786
baseline
▲ 0.50% · 4.625%
HK$28,198
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,572/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,370
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,283
−HK$929/mo
Today · 4.125%
HK$31,212
baseline
▲ 0.50% · 4.625%
HK$33,111
+HK$1,899/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,424/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,674
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,550
−HK$889/mo
Today · 4.125%
HK$34,439
baseline
▲ 0.50% · 4.625%
HK$36,254
+HK$1,815/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,878/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,668 · 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).