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$16,336
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,844
−HK$517/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,174
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,661
−HK$495/mo
Today · 4.125%
HK$19,156
baseline
▲ 0.50% · 4.625%
HK$20,165
+HK$1,009/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,312/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,603
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,213
−HK$620/mo
Today · 4.125%
HK$20,833
baseline
▲ 0.50% · 4.625%
HK$22,100
+HK$1,267/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,666/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,809
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,394
−HK$593/mo
Today · 4.125%
HK$22,987
baseline
▲ 0.50% · 4.625%
HK$24,199
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,974/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,582
−HK$723/mo
Today · 4.125%
HK$24,305
baseline
▲ 0.50% · 4.625%
HK$25,784
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,610/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,443
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,126
−HK$692/mo
Today · 4.125%
HK$26,818
baseline
▲ 0.50% · 4.625%
HK$28,232
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,636/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,405
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,320
−HK$929/mo
Today · 4.125%
HK$31,249
baseline
▲ 0.50% · 4.625%
HK$33,151
+HK$1,902/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,498/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,713
−HK$1,767/mo
▼ 0.25% · 3.875%
HK$33,590
−HK$890/mo
Today · 4.125%
HK$34,480
baseline
▲ 0.50% · 4.625%
HK$36,298
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,960/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,926 · 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).