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$16,348
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,856
−HK$517/mo
Today · 4.125%
HK$17,373
baseline
▲ 0.50% · 4.625%
HK$18,430
+HK$1,057/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,746/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$494/mo
Today · 4.125%
HK$19,169
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,011/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$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,617
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,228
−HK$620/mo
Today · 4.125%
HK$20,848
baseline
▲ 0.50% · 4.625%
HK$22,116
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,696/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$593/mo
Today · 4.125%
HK$23,003
baseline
▲ 0.50% · 4.625%
HK$24,216
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,006/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,435/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$723/mo
Today · 4.125%
HK$24,322
baseline
▲ 0.50% · 4.625%
HK$25,802
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,644/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,144
−HK$693/mo
Today · 4.125%
HK$26,837
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,674/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,426
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,341
−HK$930/mo
Today · 4.125%
HK$31,271
baseline
▲ 0.50% · 4.625%
HK$33,174
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,542/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,736
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,614
−HK$891/mo
Today · 4.125%
HK$34,505
baseline
▲ 0.50% · 4.625%
HK$36,324
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,010/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,080 · 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).