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$16,340
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,848
−HK$517/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,421
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,730/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,178
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,666
−HK$494/mo
Today · 4.125%
HK$19,160
baseline
▲ 0.50% · 4.625%
HK$20,170
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,320/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,608
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,218
−HK$620/mo
Today · 4.125%
HK$20,838
baseline
▲ 0.50% · 4.625%
HK$22,106
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,676/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,814
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,399
−HK$593/mo
Today · 4.125%
HK$22,992
baseline
▲ 0.50% · 4.625%
HK$24,204
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,984/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,876
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,588
−HK$723/mo
Today · 4.125%
HK$24,311
baseline
▲ 0.50% · 4.625%
HK$25,790
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,622/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,450
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,132
−HK$693/mo
Today · 4.125%
HK$26,825
baseline
▲ 0.50% · 4.625%
HK$28,238
+HK$1,413/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,650/mo (50% DSR)
Upfront cash ≈ HK$2.36M (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,412
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,327
−HK$930/mo
Today · 4.125%
HK$31,257
baseline
▲ 0.50% · 4.625%
HK$33,159
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,514/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,721
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,598
−HK$891/mo
Today · 4.125%
HK$34,489
baseline
▲ 0.50% · 4.625%
HK$36,307
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,978/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$214,978 · 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).