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$16,349
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$516/mo
Today · 4.125%
HK$17,374
baseline
▲ 0.50% · 4.625%
HK$18,431
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,748/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,188
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,676
−HK$495/mo
Today · 4.125%
HK$19,171
baseline
▲ 0.50% · 4.625%
HK$20,181
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,342/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,619
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,229
−HK$620/mo
Today · 4.125%
HK$20,849
baseline
▲ 0.50% · 4.625%
HK$22,118
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,698/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,826
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,411
−HK$594/mo
Today · 4.125%
HK$23,005
baseline
▲ 0.50% · 4.625%
HK$24,218
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,010/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,889
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,601
−HK$723/mo
Today · 4.125%
HK$24,324
baseline
▲ 0.50% · 4.625%
HK$25,804
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,648/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,463
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,146
−HK$693/mo
Today · 4.125%
HK$26,839
baseline
▲ 0.50% · 4.625%
HK$28,254
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,678/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,428
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,344
−HK$930/mo
Today · 4.125%
HK$31,274
baseline
▲ 0.50% · 4.625%
HK$33,177
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,548/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,095 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,739
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,617
−HK$890/mo
Today · 4.125%
HK$34,507
baseline
▲ 0.50% · 4.625%
HK$36,326
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,014/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,095 · 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).