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$16,342
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$517/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,424
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$495/mo
Today · 4.125%
HK$19,163
baseline
▲ 0.50% · 4.625%
HK$20,173
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,326/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,610
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,220
−HK$620/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$22,108
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,816
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$594/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$724/mo
Today · 4.125%
HK$24,314
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,479/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,628/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$693/mo
Today · 4.125%
HK$26,828
baseline
▲ 0.50% · 4.625%
HK$28,242
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,656/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,416
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$30,331
−HK$929/mo
Today · 4.125%
HK$31,260
baseline
▲ 0.50% · 4.625%
HK$33,162
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,520/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,725
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,602
−HK$891/mo
Today · 4.125%
HK$34,493
baseline
▲ 0.50% · 4.625%
HK$36,311
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,986/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,003 · 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).