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$16,342
−HK$1,025/mo
▼ 0.25% · 3.875%
HK$16,850
−HK$517/mo
Today · 4.125%
HK$17,367
baseline
▲ 0.50% · 4.625%
HK$18,423
+HK$1,056/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$34,734/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,180
−HK$982/mo
▼ 0.25% · 3.875%
HK$18,668
−HK$494/mo
Today · 4.125%
HK$19,162
baseline
▲ 0.50% · 4.625%
HK$20,172
+HK$1,010/mo
Deposit HK$3.58M · loan HK$3.58M · min. income ≈ HK$38,324/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,610
−HK$1,230/mo
▼ 0.25% · 3.875%
HK$20,220
−HK$620/mo
Today · 4.125%
HK$20,840
baseline
▲ 0.50% · 4.625%
HK$22,108
+HK$1,268/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$41,680/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,816
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$22,401
−HK$594/mo
Today · 4.125%
HK$22,995
baseline
▲ 0.50% · 4.625%
HK$24,207
+HK$1,212/mo
Deposit HK$2.87M · loan HK$4.30M · min. income ≈ HK$45,990/mo (50% DSR)
Upfront cash ≈ HK$3.08M (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,879
−HK$1,434/mo
▼ 0.25% · 3.875%
HK$23,590
−HK$723/mo
Today · 4.125%
HK$24,313
baseline
▲ 0.50% · 4.625%
HK$25,793
+HK$1,480/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,626/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,452
−HK$1,375/mo
▼ 0.25% · 3.875%
HK$26,135
−HK$692/mo
Today · 4.125%
HK$26,827
baseline
▲ 0.50% · 4.625%
HK$28,241
+HK$1,414/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,654/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,415
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$30,330
−HK$930/mo
Today · 4.125%
HK$31,260
baseline
▲ 0.50% · 4.625%
HK$33,162
+HK$1,902/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$62,520/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,724
−HK$1,768/mo
▼ 0.25% · 3.875%
HK$33,602
−HK$890/mo
Today · 4.125%
HK$34,492
baseline
▲ 0.50% · 4.625%
HK$36,310
+HK$1,818/mo
Deposit HK$717K · loan HK$6.45M · min. income ≈ HK$68,984/mo (50% DSR)
Upfront cash ≈ HK$932K (deposit + AVD stamp duty HK$215,001 · 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).