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$16,322
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$516/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,692/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$494/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,196
−HK$619/mo
Today · 4.125%
HK$20,815
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,630/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,790
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$593/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,178
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,562
−HK$722/mo
Today · 4.125%
HK$24,284
baseline
▲ 0.50% · 4.625%
HK$25,762
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,568/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,422
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,103
−HK$692/mo
Today · 4.125%
HK$26,795
baseline
▲ 0.50% · 4.625%
HK$28,208
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,590/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,380
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,294
−HK$928/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$33,122
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,685
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,562
−HK$889/mo
Today · 4.125%
HK$34,451
baseline
▲ 0.50% · 4.625%
HK$36,267
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,902/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,743 · 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).