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$16,336
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$516/mo
Today · 4.125%
HK$17,360
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,720/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$494/mo
Today · 4.125%
HK$19,155
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,310/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$619/mo
Today · 4.125%
HK$20,832
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,664/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,808
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,393
−HK$594/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,198
+HK$1,211/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,870
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$723/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,783
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,443
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,125
−HK$693/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,231
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,319
−HK$930/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$33,150
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,713
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$890/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,297
+HK$1,817/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,923 · 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).