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$16,323
−HK$1,024/mo
▼ 0.25% · 3.875%
HK$16,831
−HK$516/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,159
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,646
−HK$495/mo
Today · 4.125%
HK$19,141
baseline
▲ 0.50% · 4.625%
HK$20,149
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,282/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,588
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$619/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,267/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$593/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.30M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,433/mo
▼ 0.25% · 3.875%
HK$23,563
−HK$723/mo
Today · 4.125%
HK$24,286
baseline
▲ 0.50% · 4.625%
HK$25,763
+HK$1,477/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,572/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,423
−HK$1,374/mo
▼ 0.25% · 3.875%
HK$26,105
−HK$692/mo
Today · 4.125%
HK$26,797
baseline
▲ 0.50% · 4.625%
HK$28,209
+HK$1,412/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,594/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,382
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,296
−HK$928/mo
Today · 4.125%
HK$31,224
baseline
▲ 0.50% · 4.625%
HK$33,124
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,448/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,687
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,564
−HK$889/mo
Today · 4.125%
HK$34,453
baseline
▲ 0.50% · 4.625%
HK$36,269
+HK$1,816/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$68,906/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,756 · 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).