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$16,311
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,818
−HK$516/mo
Today · 4.125%
HK$17,334
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$1,054/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,668/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,145
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,632
−HK$494/mo
Today · 4.125%
HK$19,126
baseline
▲ 0.50% · 4.625%
HK$20,134
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,252/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,573
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,182
−HK$618/mo
Today · 4.125%
HK$20,800
baseline
▲ 0.50% · 4.625%
HK$22,066
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,600/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,775
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,359
−HK$592/mo
Today · 4.125%
HK$22,951
baseline
▲ 0.50% · 4.625%
HK$24,161
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,902/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,835
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,545
−HK$722/mo
Today · 4.125%
HK$24,267
baseline
▲ 0.50% · 4.625%
HK$25,744
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,534/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,404
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,085
−HK$691/mo
Today · 4.125%
HK$26,776
baseline
▲ 0.50% · 4.625%
HK$28,188
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,552/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,359
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,273
−HK$927/mo
Today · 4.125%
HK$31,200
baseline
▲ 0.50% · 4.625%
HK$33,099
+HK$1,899/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,400/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,662
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,538
−HK$889/mo
Today · 4.125%
HK$34,427
baseline
▲ 0.50% · 4.625%
HK$36,241
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,854/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,591 · 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).