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$16,355
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$517/mo
Today · 4.125%
HK$17,381
baseline
▲ 0.50% · 4.625%
HK$18,439
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,762/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,195
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,683
−HK$495/mo
Today · 4.125%
HK$19,178
baseline
▲ 0.50% · 4.625%
HK$20,189
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,356/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,627
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,237
−HK$620/mo
Today · 4.125%
HK$20,857
baseline
▲ 0.50% · 4.625%
HK$22,126
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,714/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,834
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,420
−HK$594/mo
Today · 4.125%
HK$23,014
baseline
▲ 0.50% · 4.625%
HK$24,227
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,028/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,898
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,610
−HK$724/mo
Today · 4.125%
HK$24,334
baseline
▲ 0.50% · 4.625%
HK$25,814
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,668/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,473
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,157
−HK$693/mo
Today · 4.125%
HK$26,850
baseline
▲ 0.50% · 4.625%
HK$28,265
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,700/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,440
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,356
−HK$930/mo
Today · 4.125%
HK$31,286
baseline
▲ 0.50% · 4.625%
HK$33,190
+HK$1,904/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$62,572/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,752
−HK$1,769/mo
▼ 0.25% · 3.875%
HK$33,630
−HK$891/mo
Today · 4.125%
HK$34,521
baseline
▲ 0.50% · 4.625%
HK$36,341
+HK$1,820/mo
Deposit HK$717K · loan HK$6.46M · min. income ≈ HK$69,042/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,180 · 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).