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$16,346
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,854
−HK$517/mo
Today · 4.125%
HK$17,371
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,742/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,185
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,673
−HK$494/mo
Today · 4.125%
HK$19,167
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,011/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,334/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,615
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,225
−HK$620/mo
Today · 4.125%
HK$20,845
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,690/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,407
−HK$594/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,213
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,884
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,596
−HK$724/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,799
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,459
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$692/mo
Today · 4.125%
HK$26,834
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,668/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,423
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,338
−HK$930/mo
Today · 4.125%
HK$31,268
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,536/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,733
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$890/mo
Today · 4.125%
HK$34,501
baseline
▲ 0.50% · 4.625%
HK$36,320
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,002/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,056 · 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).