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$16,827
−HK$515/mo
Today · 4.125%
HK$17,342
baseline
▲ 0.50% · 4.625%
HK$18,398
+HK$1,056/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$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,155
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,642
−HK$494/mo
Today · 4.125%
HK$19,136
baseline
▲ 0.50% · 4.625%
HK$20,144
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,272/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,583
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$619/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,786
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,370
−HK$593/mo
Today · 4.125%
HK$22,963
baseline
▲ 0.50% · 4.625%
HK$24,173
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,926/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,557
−HK$722/mo
Today · 4.125%
HK$24,279
baseline
▲ 0.50% · 4.625%
HK$25,757
+HK$1,478/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$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,417
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,098
−HK$692/mo
Today · 4.125%
HK$26,790
baseline
▲ 0.50% · 4.625%
HK$28,202
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,580/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,374
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,288
−HK$928/mo
Today · 4.125%
HK$31,216
baseline
▲ 0.50% · 4.625%
HK$33,116
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,432/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,701 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,679
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,555
−HK$889/mo
Today · 4.125%
HK$34,444
baseline
▲ 0.50% · 4.625%
HK$36,260
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,888/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,701 · 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).