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$16,351
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,860
−HK$516/mo
Today · 4.125%
HK$17,376
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,752/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,190
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,678
−HK$495/mo
Today · 4.125%
HK$19,173
baseline
▲ 0.50% · 4.625%
HK$20,184
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,346/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,621
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,231
−HK$621/mo
Today · 4.125%
HK$20,852
baseline
▲ 0.50% · 4.625%
HK$22,120
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,704/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,828
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,414
−HK$594/mo
Today · 4.125%
HK$23,008
baseline
▲ 0.50% · 4.625%
HK$24,220
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,016/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,891
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,603
−HK$724/mo
Today · 4.125%
HK$24,327
baseline
▲ 0.50% · 4.625%
HK$25,807
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,654/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,466
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,149
−HK$693/mo
Today · 4.125%
HK$26,842
baseline
▲ 0.50% · 4.625%
HK$28,257
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,684/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,432
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,347
−HK$930/mo
Today · 4.125%
HK$31,277
baseline
▲ 0.50% · 4.625%
HK$33,181
+HK$1,904/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,554/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,742
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,621
−HK$890/mo
Today · 4.125%
HK$34,511
baseline
▲ 0.50% · 4.625%
HK$36,331
+HK$1,820/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,022/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,120 · 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).