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$16,315
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,823
−HK$515/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$1,056/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$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,151
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,637
−HK$494/mo
Today · 4.125%
HK$19,131
baseline
▲ 0.50% · 4.625%
HK$20,140
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,262/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$619/mo
Today · 4.125%
HK$20,806
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,612/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,781
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$593/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,552
−HK$722/mo
Today · 4.125%
HK$24,274
baseline
▲ 0.50% · 4.625%
HK$25,751
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,548/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,411
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,092
−HK$692/mo
Today · 4.125%
HK$26,784
baseline
▲ 0.50% · 4.625%
HK$28,196
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,568/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,368
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,281
−HK$928/mo
Today · 4.125%
HK$31,209
baseline
▲ 0.50% · 4.625%
HK$33,108
+HK$1,899/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,418/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,671
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,547
−HK$889/mo
Today · 4.125%
HK$34,436
baseline
▲ 0.50% · 4.625%
HK$36,252
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,872/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,652 · 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).