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$1,023/mo
▼ 0.25% · 3.875%
HK$16,817
−HK$515/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,387
+HK$1,055/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,144
−HK$980/mo
▼ 0.25% · 3.875%
HK$18,630
−HK$494/mo
Today · 4.125%
HK$19,124
baseline
▲ 0.50% · 4.625%
HK$20,132
+HK$1,008/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,248/mo (50% DSR)
Upfront cash ≈ HK$3.79M (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$618/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,266/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,773
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$592/mo
Today · 4.125%
HK$22,949
baseline
▲ 0.50% · 4.625%
HK$24,159
+HK$1,210/mo
Deposit HK$2.86M · loan HK$4.29M · min. income ≈ HK$45,898/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,833
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,543
−HK$722/mo
Today · 4.125%
HK$24,265
baseline
▲ 0.50% · 4.625%
HK$25,741
+HK$1,476/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$48,530/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,401
−HK$1,373/mo
▼ 0.25% · 3.875%
HK$26,083
−HK$691/mo
Today · 4.125%
HK$26,774
baseline
▲ 0.50% · 4.625%
HK$28,185
+HK$1,411/mo
Deposit HK$2.15M · loan HK$5.01M · min. income ≈ HK$53,548/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,357
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$30,270
−HK$928/mo
Today · 4.125%
HK$31,198
baseline
▲ 0.50% · 4.625%
HK$33,096
+HK$1,898/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$62,396/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,659
−HK$1,764/mo
▼ 0.25% · 3.875%
HK$33,535
−HK$888/mo
Today · 4.125%
HK$34,423
baseline
▲ 0.50% · 4.625%
HK$36,238
+HK$1,815/mo
Deposit HK$715K · loan HK$6.44M · min. income ≈ HK$68,846/mo (50% DSR)
Upfront cash ≈ HK$930K (deposit + AVD stamp duty HK$214,571 · 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).