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$16,322
−HK$1,023/mo
▼ 0.25% · 3.875%
HK$16,830
−HK$515/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,158
−HK$981/mo
▼ 0.25% · 3.875%
HK$18,645
−HK$494/mo
Today · 4.125%
HK$19,139
baseline
▲ 0.50% · 4.625%
HK$20,148
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,278/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$619/mo
Today · 4.125%
HK$20,814
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,628/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$593/mo
Today · 4.125%
HK$22,967
baseline
▲ 0.50% · 4.625%
HK$24,177
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,934/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,561
−HK$722/mo
Today · 4.125%
HK$24,283
baseline
▲ 0.50% · 4.625%
HK$25,761
+HK$1,478/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,566/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,103
−HK$691/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,207
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,588/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$929/mo
Today · 4.125%
HK$31,222
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,899/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,444/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,561
−HK$889/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,266
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,900/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,737 · 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).