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$16,393
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$518/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,481
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,237
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,726
−HK$496/mo
Today · 4.125%
HK$19,222
baseline
▲ 0.50% · 4.625%
HK$20,236
+HK$1,014/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,444/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,672
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,284
−HK$621/mo
Today · 4.125%
HK$20,905
baseline
▲ 0.50% · 4.625%
HK$22,177
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,810/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,885
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,472
−HK$595/mo
Today · 4.125%
HK$23,067
baseline
▲ 0.50% · 4.625%
HK$24,283
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,134/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,950
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,664
−HK$726/mo
Today · 4.125%
HK$24,390
baseline
▲ 0.50% · 4.625%
HK$25,874
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,780/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,532
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,217
−HK$694/mo
Today · 4.125%
HK$26,911
baseline
▲ 0.50% · 4.625%
HK$28,330
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,822/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,508
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,425
−HK$933/mo
Today · 4.125%
HK$31,358
baseline
▲ 0.50% · 4.625%
HK$33,266
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,716/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,827
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,707
−HK$893/mo
Today · 4.125%
HK$34,600
baseline
▲ 0.50% · 4.625%
HK$36,424
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,200/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,675 · 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).