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$16,829
−HK$516/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$214,735 · 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$20,147
+HK$1,008/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$214,735 · 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$214,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$592/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,177
+HK$1,211/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,850
−HK$1,433/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$214,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,421
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,102
−HK$692/mo
Today · 4.125%
HK$26,794
baseline
▲ 0.50% · 4.625%
HK$28,206
+HK$1,412/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$214,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,379
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$30,293
−HK$928/mo
Today · 4.125%
HK$31,221
baseline
▲ 0.50% · 4.625%
HK$33,121
+HK$1,900/mo
Deposit HK$716K · loan HK$6.44M · min. income ≈ HK$62,442/mo (50% DSR)
Upfront cash ≈ HK$931K (deposit + AVD stamp duty HK$214,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,684
−HK$1,766/mo
▼ 0.25% · 3.875%
HK$33,560
−HK$890/mo
Today · 4.125%
HK$34,450
baseline
▲ 0.50% · 4.625%
HK$36,265
+HK$1,815/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$214,735 · 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).