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$16,358
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,867
−HK$517/mo
Today · 4.125%
HK$17,384
baseline
▲ 0.50% · 4.625%
HK$18,442
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,768/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,213 · 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$215,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,630
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,240
−HK$621/mo
Today · 4.125%
HK$20,861
baseline
▲ 0.50% · 4.625%
HK$22,130
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,722/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,838
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,423
−HK$595/mo
Today · 4.125%
HK$23,018
baseline
▲ 0.50% · 4.625%
HK$24,231
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,036/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,901
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,614
−HK$723/mo
Today · 4.125%
HK$24,337
baseline
▲ 0.50% · 4.625%
HK$25,818
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,674/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,477
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,161
−HK$693/mo
Today · 4.125%
HK$26,854
baseline
▲ 0.50% · 4.625%
HK$28,269
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,708/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,444
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,360
−HK$931/mo
Today · 4.125%
HK$31,291
baseline
▲ 0.50% · 4.625%
HK$33,195
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,582/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,757
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,635
−HK$891/mo
Today · 4.125%
HK$34,526
baseline
▲ 0.50% · 4.625%
HK$36,346
+HK$1,820/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,052/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,213 · 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).