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$16,363
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,871
−HK$518/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,778/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,203
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,691
−HK$496/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,198
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,635
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,246
−HK$620/mo
Today · 4.125%
HK$20,866
baseline
▲ 0.50% · 4.625%
HK$22,136
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,732/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,844
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,430
−HK$594/mo
Today · 4.125%
HK$23,024
baseline
▲ 0.50% · 4.625%
HK$24,238
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,048/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,908
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,620
−HK$724/mo
Today · 4.125%
HK$24,344
baseline
▲ 0.50% · 4.625%
HK$25,825
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,688/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,484
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,168
−HK$693/mo
Today · 4.125%
HK$26,861
baseline
▲ 0.50% · 4.625%
HK$28,277
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,722/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,453
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$30,369
−HK$930/mo
Today · 4.125%
HK$31,299
baseline
▲ 0.50% · 4.625%
HK$33,204
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,598/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,766
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,644
−HK$892/mo
Today · 4.125%
HK$34,536
baseline
▲ 0.50% · 4.625%
HK$36,356
+HK$1,820/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,072/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,273 · 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).