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$16,857
−HK$516/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$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,187
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,675
−HK$495/mo
Today · 4.125%
HK$19,170
baseline
▲ 0.50% · 4.625%
HK$20,180
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,340/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,618
−HK$1,230/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$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,824
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,410
−HK$594/mo
Today · 4.125%
HK$23,004
baseline
▲ 0.50% · 4.625%
HK$24,216
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,008/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,887
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,599
−HK$724/mo
Today · 4.125%
HK$24,323
baseline
▲ 0.50% · 4.625%
HK$25,803
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,646/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,462
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,145
−HK$693/mo
Today · 4.125%
HK$26,838
baseline
▲ 0.50% · 4.625%
HK$28,252
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,676/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,427
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,342
−HK$930/mo
Today · 4.125%
HK$31,272
baseline
▲ 0.50% · 4.625%
HK$33,175
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,544/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,737
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,615
−HK$890/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$215,083 · 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).