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$16,309
−HK$1,022/mo
▼ 0.25% · 3.875%
HK$16,816
−HK$515/mo
Today · 4.125%
HK$17,331
baseline
▲ 0.50% · 4.625%
HK$18,386
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,662/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,143
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$493/mo
Today · 4.125%
HK$19,123
baseline
▲ 0.50% · 4.625%
HK$20,131
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,246/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$618/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$592/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,542
−HK$722/mo
Today · 4.125%
HK$24,264
baseline
▲ 0.50% · 4.625%
HK$25,740
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,528/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,400
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,081
−HK$692/mo
Today · 4.125%
HK$26,773
baseline
▲ 0.50% · 4.625%
HK$28,184
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,546/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,355
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,268
−HK$928/mo
Today · 4.125%
HK$31,196
baseline
▲ 0.50% · 4.625%
HK$33,094
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,392/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,657
−HK$1,765/mo
▼ 0.25% · 3.875%
HK$33,533
−HK$889/mo
Today · 4.125%
HK$34,422
baseline
▲ 0.50% · 4.625%
HK$36,236
+HK$1,814/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,844/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,562 · 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).