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$16,305
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,812
−HK$515/mo
Today · 4.125%
HK$17,327
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,654/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,139
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,625
−HK$494/mo
Today · 4.125%
HK$19,119
baseline
▲ 0.50% · 4.625%
HK$20,127
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,238/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,174
−HK$619/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$22,058
+HK$1,265/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$593/mo
Today · 4.125%
HK$22,943
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,209/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,886/mo (50% DSR)
Upfront cash ≈ HK$3.07M (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,827
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,537
−HK$721/mo
Today · 4.125%
HK$24,258
baseline
▲ 0.50% · 4.625%
HK$25,734
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,516/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,394
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,075
−HK$691/mo
Today · 4.125%
HK$26,766
baseline
▲ 0.50% · 4.625%
HK$28,177
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,532/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,348
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,261
−HK$928/mo
Today · 4.125%
HK$31,189
baseline
▲ 0.50% · 4.625%
HK$33,087
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,378/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,650
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,526
−HK$888/mo
Today · 4.125%
HK$34,414
baseline
▲ 0.50% · 4.625%
HK$36,228
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,828/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,512 · 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).