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$16,340
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$516/mo
Today · 4.125%
HK$17,364
baseline
▲ 0.50% · 4.625%
HK$18,421
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,728/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,178
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,665
−HK$495/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,608
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$619/mo
Today · 4.125%
HK$20,837
baseline
▲ 0.50% · 4.625%
HK$22,105
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,674/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,813
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$594/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,204
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,876
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,587
−HK$723/mo
Today · 4.125%
HK$24,310
baseline
▲ 0.50% · 4.625%
HK$25,789
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,620/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,449
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,131
−HK$693/mo
Today · 4.125%
HK$26,824
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,648/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,411
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,326
−HK$930/mo
Today · 4.125%
HK$31,256
baseline
▲ 0.50% · 4.625%
HK$33,158
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,512/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,720
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,597
−HK$891/mo
Today · 4.125%
HK$34,488
baseline
▲ 0.50% · 4.625%
HK$36,306
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,976/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,972 · 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).