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$16,341
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,849
−HK$517/mo
Today · 4.125%
HK$17,366
baseline
▲ 0.50% · 4.625%
HK$18,422
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,732/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,179
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,667
−HK$494/mo
Today · 4.125%
HK$19,161
baseline
▲ 0.50% · 4.625%
HK$20,172
+HK$1,011/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,322/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,609
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,219
−HK$620/mo
Today · 4.125%
HK$20,839
baseline
▲ 0.50% · 4.625%
HK$22,107
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,678/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,815
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,400
−HK$594/mo
Today · 4.125%
HK$22,994
baseline
▲ 0.50% · 4.625%
HK$24,206
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,988/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,878
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,589
−HK$723/mo
Today · 4.125%
HK$24,312
baseline
▲ 0.50% · 4.625%
HK$25,791
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,624/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,451
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,134
−HK$692/mo
Today · 4.125%
HK$26,826
baseline
▲ 0.50% · 4.625%
HK$28,240
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,652/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,414
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,329
−HK$929/mo
Today · 4.125%
HK$31,258
baseline
▲ 0.50% · 4.625%
HK$33,160
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,516/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,723
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,600
−HK$891/mo
Today · 4.125%
HK$34,491
baseline
▲ 0.50% · 4.625%
HK$36,309
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,982/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,991 · 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).