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$16,326
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,834
−HK$516/mo
Today · 4.125%
HK$17,350
baseline
▲ 0.50% · 4.625%
HK$18,405
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,700/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,162
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,649
−HK$495/mo
Today · 4.125%
HK$19,144
baseline
▲ 0.50% · 4.625%
HK$20,153
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,288/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$620/mo
Today · 4.125%
HK$20,820
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,640/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$593/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,183
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,567
−HK$722/mo
Today · 4.125%
HK$24,289
baseline
▲ 0.50% · 4.625%
HK$25,767
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,578/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,427
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,109
−HK$692/mo
Today · 4.125%
HK$26,801
baseline
▲ 0.50% · 4.625%
HK$28,214
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,602/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,387
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,301
−HK$928/mo
Today · 4.125%
HK$31,229
baseline
▲ 0.50% · 4.625%
HK$33,130
+HK$1,901/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,458/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,692
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,569
−HK$889/mo
Today · 4.125%
HK$34,458
baseline
▲ 0.50% · 4.625%
HK$36,275
+HK$1,817/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,916/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,790 · 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).