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$16,352
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,861
−HK$517/mo
Today · 4.125%
HK$17,378
baseline
▲ 0.50% · 4.625%
HK$18,435
+HK$1,057/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,756/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,192
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,680
−HK$495/mo
Today · 4.125%
HK$19,175
baseline
▲ 0.50% · 4.625%
HK$20,185
+HK$1,010/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,350/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,623
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,233
−HK$620/mo
Today · 4.125%
HK$20,853
baseline
▲ 0.50% · 4.625%
HK$22,122
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,706/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,830
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,416
−HK$594/mo
Today · 4.125%
HK$23,010
baseline
▲ 0.50% · 4.625%
HK$24,223
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$46,020/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,893
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,605
−HK$724/mo
Today · 4.125%
HK$24,329
baseline
▲ 0.50% · 4.625%
HK$25,809
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,658/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,469
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,152
−HK$693/mo
Today · 4.125%
HK$26,845
baseline
▲ 0.50% · 4.625%
HK$28,260
+HK$1,415/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,690/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,434
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,350
−HK$930/mo
Today · 4.125%
HK$31,280
baseline
▲ 0.50% · 4.625%
HK$33,183
+HK$1,903/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,560/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,745
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,624
−HK$891/mo
Today · 4.125%
HK$34,515
baseline
▲ 0.50% · 4.625%
HK$36,334
+HK$1,819/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$69,030/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,140 · 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).