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$16,337
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,846
−HK$516/mo
Today · 4.125%
HK$17,362
baseline
▲ 0.50% · 4.625%
HK$18,418
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,724/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,175
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,663
−HK$494/mo
Today · 4.125%
HK$19,157
baseline
▲ 0.50% · 4.625%
HK$20,167
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,314/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,605
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,215
−HK$619/mo
Today · 4.125%
HK$20,834
baseline
▲ 0.50% · 4.625%
HK$22,102
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,668/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,810
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,395
−HK$594/mo
Today · 4.125%
HK$22,989
baseline
▲ 0.50% · 4.625%
HK$24,200
+HK$1,211/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,978/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,872
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,584
−HK$723/mo
Today · 4.125%
HK$24,307
baseline
▲ 0.50% · 4.625%
HK$25,786
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,614/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,445
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,128
−HK$692/mo
Today · 4.125%
HK$26,820
baseline
▲ 0.50% · 4.625%
HK$28,234
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,640/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,407
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,322
−HK$930/mo
Today · 4.125%
HK$31,252
baseline
▲ 0.50% · 4.625%
HK$33,153
+HK$1,901/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$62,504/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,715
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,593
−HK$890/mo
Today · 4.125%
HK$34,483
baseline
▲ 0.50% · 4.625%
HK$36,301
+HK$1,818/mo
Deposit HK$716K · loan HK$6.45M · min. income ≈ HK$68,966/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,943 · 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).