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$16,347
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,856
−HK$516/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$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,186
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,674
−HK$495/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,179
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,338/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,227
−HK$620/mo
Today · 4.125%
HK$20,847
baseline
▲ 0.50% · 4.625%
HK$22,115
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,694/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,823
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,409
−HK$593/mo
Today · 4.125%
HK$23,002
baseline
▲ 0.50% · 4.625%
HK$24,215
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,004/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,886
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,598
−HK$723/mo
Today · 4.125%
HK$24,321
baseline
▲ 0.50% · 4.625%
HK$25,801
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,642/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,461
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,143
−HK$693/mo
Today · 4.125%
HK$26,836
baseline
▲ 0.50% · 4.625%
HK$28,251
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,672/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,425
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,340
−HK$930/mo
Today · 4.125%
HK$31,270
baseline
▲ 0.50% · 4.625%
HK$33,173
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,540/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,735
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,613
−HK$891/mo
Today · 4.125%
HK$34,504
baseline
▲ 0.50% · 4.625%
HK$36,322
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,008/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,071 · 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).