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$16,383
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$518/mo
Today · 4.125%
HK$17,410
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,820/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,226
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,714
−HK$496/mo
Today · 4.125%
HK$19,210
baseline
▲ 0.50% · 4.625%
HK$20,223
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,420/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,659
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,271
−HK$621/mo
Today · 4.125%
HK$20,892
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,784/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,871
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$595/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,936
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,649
−HK$725/mo
Today · 4.125%
HK$24,374
baseline
▲ 0.50% · 4.625%
HK$25,857
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,748/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,516
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,200
−HK$694/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,312
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,489
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,406
−HK$932/mo
Today · 4.125%
HK$31,338
baseline
▲ 0.50% · 4.625%
HK$33,245
+HK$1,907/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,676/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,806
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,686
−HK$893/mo
Today · 4.125%
HK$34,579
baseline
▲ 0.50% · 4.625%
HK$36,401
+HK$1,822/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,158/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,539 · 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).