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$16,344
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,853
−HK$516/mo
Today · 4.125%
HK$17,369
baseline
▲ 0.50% · 4.625%
HK$18,426
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,738/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,183
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,670
−HK$495/mo
Today · 4.125%
HK$19,165
baseline
▲ 0.50% · 4.625%
HK$20,175
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,330/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,613
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,223
−HK$620/mo
Today · 4.125%
HK$20,843
baseline
▲ 0.50% · 4.625%
HK$22,111
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,686/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,819
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,404
−HK$594/mo
Today · 4.125%
HK$22,998
baseline
▲ 0.50% · 4.625%
HK$24,210
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,996/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,882
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,594
−HK$723/mo
Today · 4.125%
HK$24,317
baseline
▲ 0.50% · 4.625%
HK$25,796
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,634/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,456
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,138
−HK$693/mo
Today · 4.125%
HK$26,831
baseline
▲ 0.50% · 4.625%
HK$28,245
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,662/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,419
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,335
−HK$929/mo
Today · 4.125%
HK$31,264
baseline
▲ 0.50% · 4.625%
HK$33,167
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,528/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,729
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,607
−HK$890/mo
Today · 4.125%
HK$34,497
baseline
▲ 0.50% · 4.625%
HK$36,315
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,994/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,031 · 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).