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$16,361
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$517/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,772/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,201
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,689
−HK$495/mo
Today · 4.125%
HK$19,184
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,368/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,633
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,243
−HK$621/mo
Today · 4.125%
HK$20,864
baseline
▲ 0.50% · 4.625%
HK$22,133
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,728/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,841
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,427
−HK$594/mo
Today · 4.125%
HK$23,021
baseline
▲ 0.50% · 4.625%
HK$24,235
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,042/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,905
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,617
−HK$724/mo
Today · 4.125%
HK$24,341
baseline
▲ 0.50% · 4.625%
HK$25,822
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,682/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,481
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,165
−HK$693/mo
Today · 4.125%
HK$26,858
baseline
▲ 0.50% · 4.625%
HK$28,274
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,716/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,449
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,365
−HK$931/mo
Today · 4.125%
HK$31,296
baseline
▲ 0.50% · 4.625%
HK$33,200
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,592/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,762
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,640
−HK$892/mo
Today · 4.125%
HK$34,532
baseline
▲ 0.50% · 4.625%
HK$36,352
+HK$1,820/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,064/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,246 · 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).