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$16,360
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$517/mo
Today · 4.125%
HK$17,386
baseline
▲ 0.50% · 4.625%
HK$18,443
+HK$1,057/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$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,200
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,688
−HK$495/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,195
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,366/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,632
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,242
−HK$621/mo
Today · 4.125%
HK$20,863
baseline
▲ 0.50% · 4.625%
HK$22,132
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,726/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,840
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,426
−HK$594/mo
Today · 4.125%
HK$23,020
baseline
▲ 0.50% · 4.625%
HK$24,233
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,040/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,904
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,616
−HK$724/mo
Today · 4.125%
HK$24,340
baseline
▲ 0.50% · 4.625%
HK$25,821
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,680/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,480
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,163
−HK$694/mo
Today · 4.125%
HK$26,857
baseline
▲ 0.50% · 4.625%
HK$28,272
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,714/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,448
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,363
−HK$931/mo
Today · 4.125%
HK$31,294
baseline
▲ 0.50% · 4.625%
HK$33,198
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,588/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,760
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,639
−HK$891/mo
Today · 4.125%
HK$34,530
baseline
▲ 0.50% · 4.625%
HK$36,350
+HK$1,820/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,060/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,236 · 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).