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$16,314
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,822
−HK$516/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,392
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,676/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,150
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,636
−HK$494/mo
Today · 4.125%
HK$19,130
baseline
▲ 0.50% · 4.625%
HK$20,139
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,260/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,577
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$619/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$592/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,166
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,551
−HK$722/mo
Today · 4.125%
HK$24,273
baseline
▲ 0.50% · 4.625%
HK$25,749
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,546/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,410
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,091
−HK$691/mo
Today · 4.125%
HK$26,782
baseline
▲ 0.50% · 4.625%
HK$28,194
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,564/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,366
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,279
−HK$929/mo
Today · 4.125%
HK$31,208
baseline
▲ 0.50% · 4.625%
HK$33,106
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,416/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,669
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,546
−HK$888/mo
Today · 4.125%
HK$34,434
baseline
▲ 0.50% · 4.625%
HK$36,250
+HK$1,816/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,868/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,640 · 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).