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$16,346
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,855
−HK$517/mo
Today · 4.125%
HK$17,372
baseline
▲ 0.50% · 4.625%
HK$18,429
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,744/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,185
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,673
−HK$495/mo
Today · 4.125%
HK$19,168
baseline
▲ 0.50% · 4.625%
HK$20,178
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,336/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,616
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,226
−HK$620/mo
Today · 4.125%
HK$20,846
baseline
▲ 0.50% · 4.625%
HK$22,114
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,692/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,822
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,408
−HK$593/mo
Today · 4.125%
HK$23,001
baseline
▲ 0.50% · 4.625%
HK$24,214
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,002/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,885
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,597
−HK$723/mo
Today · 4.125%
HK$24,320
baseline
▲ 0.50% · 4.625%
HK$25,800
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,640/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,459
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,142
−HK$693/mo
Today · 4.125%
HK$26,835
baseline
▲ 0.50% · 4.625%
HK$28,249
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,670/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,424
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,339
−HK$930/mo
Today · 4.125%
HK$31,269
baseline
▲ 0.50% · 4.625%
HK$33,171
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,538/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,734
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,611
−HK$891/mo
Today · 4.125%
HK$34,502
baseline
▲ 0.50% · 4.625%
HK$36,321
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,004/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,062 · 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).