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$16,372
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$517/mo
Today · 4.125%
HK$17,398
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,796/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,213
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$495/mo
Today · 4.125%
HK$19,197
baseline
▲ 0.50% · 4.625%
HK$20,209
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,394/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,646
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,257
−HK$621/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$22,148
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,442
−HK$595/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,251
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,920
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,633
−HK$724/mo
Today · 4.125%
HK$24,357
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,483/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,714/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,498
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,182
−HK$694/mo
Today · 4.125%
HK$26,876
baseline
▲ 0.50% · 4.625%
HK$28,293
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,752/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,469
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,385
−HK$932/mo
Today · 4.125%
HK$31,317
baseline
▲ 0.50% · 4.625%
HK$33,222
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,634/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,784
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,663
−HK$892/mo
Today · 4.125%
HK$34,555
baseline
▲ 0.50% · 4.625%
HK$36,376
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,110/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,391 · 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).