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$16,334
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$516/mo
Today · 4.125%
HK$17,358
baseline
▲ 0.50% · 4.625%
HK$18,414
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,716/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,171
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,659
−HK$494/mo
Today · 4.125%
HK$19,153
baseline
▲ 0.50% · 4.625%
HK$20,163
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,306/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,601
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,210
−HK$620/mo
Today · 4.125%
HK$20,830
baseline
▲ 0.50% · 4.625%
HK$22,097
+HK$1,267/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,660/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,806
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,390
−HK$594/mo
Today · 4.125%
HK$22,984
baseline
▲ 0.50% · 4.625%
HK$24,195
+HK$1,211/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,968/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,579
−HK$722/mo
Today · 4.125%
HK$24,301
baseline
▲ 0.50% · 4.625%
HK$25,780
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,602/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,440
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,122
−HK$692/mo
Today · 4.125%
HK$26,814
baseline
▲ 0.50% · 4.625%
HK$28,228
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,628/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,401
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,315
−HK$930/mo
Today · 4.125%
HK$31,245
baseline
▲ 0.50% · 4.625%
HK$33,146
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,490/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,708
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,585
−HK$890/mo
Today · 4.125%
HK$34,475
baseline
▲ 0.50% · 4.625%
HK$36,293
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,950/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,896 · 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).