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$16,359
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,868
−HK$517/mo
Today · 4.125%
HK$17,385
baseline
▲ 0.50% · 4.625%
HK$18,443
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,770/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,199
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,687
−HK$496/mo
Today · 4.125%
HK$19,183
baseline
▲ 0.50% · 4.625%
HK$20,194
+HK$1,011/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$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,631
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,242
−HK$620/mo
Today · 4.125%
HK$20,862
baseline
▲ 0.50% · 4.625%
HK$22,131
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,724/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,839
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,425
−HK$594/mo
Today · 4.125%
HK$23,019
baseline
▲ 0.50% · 4.625%
HK$24,233
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,038/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,903
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,615
−HK$724/mo
Today · 4.125%
HK$24,339
baseline
▲ 0.50% · 4.625%
HK$25,820
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,678/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,479
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,162
−HK$694/mo
Today · 4.125%
HK$26,856
baseline
▲ 0.50% · 4.625%
HK$28,271
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,712/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,446
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,362
−HK$931/mo
Today · 4.125%
HK$31,293
baseline
▲ 0.50% · 4.625%
HK$33,197
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,586/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,759
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,637
−HK$892/mo
Today · 4.125%
HK$34,529
baseline
▲ 0.50% · 4.625%
HK$36,349
+HK$1,820/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,058/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,228 · 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).