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$16,343
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$516/mo
Today · 4.125%
HK$17,368
baseline
▲ 0.50% · 4.625%
HK$18,425
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,736/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,182
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,669
−HK$495/mo
Today · 4.125%
HK$19,164
baseline
▲ 0.50% · 4.625%
HK$20,174
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,328/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,612
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,222
−HK$620/mo
Today · 4.125%
HK$20,842
baseline
▲ 0.50% · 4.625%
HK$22,110
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,684/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,818
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,403
−HK$594/mo
Today · 4.125%
HK$22,997
baseline
▲ 0.50% · 4.625%
HK$24,209
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,994/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,880
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,592
−HK$723/mo
Today · 4.125%
HK$24,315
baseline
▲ 0.50% · 4.625%
HK$25,795
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,630/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,454
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,137
−HK$693/mo
Today · 4.125%
HK$26,830
baseline
▲ 0.50% · 4.625%
HK$28,244
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,660/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,418
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,333
−HK$930/mo
Today · 4.125%
HK$31,263
baseline
▲ 0.50% · 4.625%
HK$33,165
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,526/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,727
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,605
−HK$890/mo
Today · 4.125%
HK$34,495
baseline
▲ 0.50% · 4.625%
HK$36,313
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,990/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,018 · 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).