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$16,319
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,826
−HK$516/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,397
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,684/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,154
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,641
−HK$494/mo
Today · 4.125%
HK$19,135
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,270/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,582
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$619/mo
Today · 4.125%
HK$20,810
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,620/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,785
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,369
−HK$593/mo
Today · 4.125%
HK$22,962
baseline
▲ 0.50% · 4.625%
HK$24,172
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,924/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,846
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$722/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,756
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,558/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,416
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,098
−HK$691/mo
Today · 4.125%
HK$26,789
baseline
▲ 0.50% · 4.625%
HK$28,201
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,578/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,373
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,287
−HK$928/mo
Today · 4.125%
HK$31,215
baseline
▲ 0.50% · 4.625%
HK$33,115
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,430/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,678
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,554
−HK$889/mo
Today · 4.125%
HK$34,443
baseline
▲ 0.50% · 4.625%
HK$36,259
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,886/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,694 · 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).