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$16,357
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,866
−HK$517/mo
Today · 4.125%
HK$17,383
baseline
▲ 0.50% · 4.625%
HK$18,441
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,766/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,198
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,686
−HK$495/mo
Today · 4.125%
HK$19,181
baseline
▲ 0.50% · 4.625%
HK$20,192
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,362/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,629
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$620/mo
Today · 4.125%
HK$20,860
baseline
▲ 0.50% · 4.625%
HK$22,129
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,720/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,837
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$594/mo
Today · 4.125%
HK$23,017
baseline
▲ 0.50% · 4.625%
HK$24,230
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,034/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,900
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,613
−HK$723/mo
Today · 4.125%
HK$24,336
baseline
▲ 0.50% · 4.625%
HK$25,817
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,672/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,160
−HK$693/mo
Today · 4.125%
HK$26,853
baseline
▲ 0.50% · 4.625%
HK$28,268
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,706/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,443
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,359
−HK$931/mo
Today · 4.125%
HK$31,290
baseline
▲ 0.50% · 4.625%
HK$33,194
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,580/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,756
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,634
−HK$891/mo
Today · 4.125%
HK$34,525
baseline
▲ 0.50% · 4.625%
HK$36,345
+HK$1,820/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,050/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,206 · 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).