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$16,350
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$517/mo
Today · 4.125%
HK$17,375
baseline
▲ 0.50% · 4.625%
HK$18,432
+HK$1,057/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,750/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,189
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,677
−HK$495/mo
Today · 4.125%
HK$19,172
baseline
▲ 0.50% · 4.625%
HK$20,182
+HK$1,010/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,344/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,620
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,230
−HK$620/mo
Today · 4.125%
HK$20,850
baseline
▲ 0.50% · 4.625%
HK$22,119
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,700/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,827
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,412
−HK$594/mo
Today · 4.125%
HK$23,006
baseline
▲ 0.50% · 4.625%
HK$24,219
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,012/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,890
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,602
−HK$723/mo
Today · 4.125%
HK$24,325
baseline
▲ 0.50% · 4.625%
HK$25,805
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,650/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,464
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,147
−HK$693/mo
Today · 4.125%
HK$26,840
baseline
▲ 0.50% · 4.625%
HK$28,255
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,680/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,430
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,345
−HK$930/mo
Today · 4.125%
HK$31,275
baseline
▲ 0.50% · 4.625%
HK$33,178
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,550/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,740
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,618
−HK$891/mo
Today · 4.125%
HK$34,509
baseline
▲ 0.50% · 4.625%
HK$36,328
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,018/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,104 · 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).