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$16,357
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,865
−HK$517/mo
Today · 4.125%
HK$17,382
baseline
▲ 0.50% · 4.625%
HK$18,440
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,764/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,197
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,685
−HK$495/mo
Today · 4.125%
HK$19,180
baseline
▲ 0.50% · 4.625%
HK$20,191
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,360/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,628
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,239
−HK$620/mo
Today · 4.125%
HK$20,859
baseline
▲ 0.50% · 4.625%
HK$22,128
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,718/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,836
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,422
−HK$594/mo
Today · 4.125%
HK$23,016
baseline
▲ 0.50% · 4.625%
HK$24,229
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,032/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,899
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,612
−HK$723/mo
Today · 4.125%
HK$24,335
baseline
▲ 0.50% · 4.625%
HK$25,816
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,670/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,475
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,159
−HK$693/mo
Today · 4.125%
HK$26,852
baseline
▲ 0.50% · 4.625%
HK$28,267
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,704/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,442
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,358
−HK$930/mo
Today · 4.125%
HK$31,288
baseline
▲ 0.50% · 4.625%
HK$33,192
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,576/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,196 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,754
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,632
−HK$892/mo
Today · 4.125%
HK$34,524
baseline
▲ 0.50% · 4.625%
HK$36,343
+HK$1,819/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,048/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,196 · 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).