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$16,354
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$517/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$1,057/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,194
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,682
−HK$495/mo
Today · 4.125%
HK$19,177
baseline
▲ 0.50% · 4.625%
HK$20,188
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,354/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,625
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,235
−HK$621/mo
Today · 4.125%
HK$20,856
baseline
▲ 0.50% · 4.625%
HK$22,125
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,712/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,833
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,418
−HK$594/mo
Today · 4.125%
HK$23,012
baseline
▲ 0.50% · 4.625%
HK$24,225
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,024/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,896
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,608
−HK$724/mo
Today · 4.125%
HK$24,332
baseline
▲ 0.50% · 4.625%
HK$25,812
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,664/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,471
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,155
−HK$693/mo
Today · 4.125%
HK$26,848
baseline
▲ 0.50% · 4.625%
HK$28,263
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,696/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,438
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,353
−HK$931/mo
Today · 4.125%
HK$31,284
baseline
▲ 0.50% · 4.625%
HK$33,187
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,568/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,163 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,749
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,627
−HK$891/mo
Today · 4.125%
HK$34,518
baseline
▲ 0.50% · 4.625%
HK$36,338
+HK$1,820/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,036/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,163 · 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).