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$16,370
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,880
−HK$517/mo
Today · 4.125%
HK$17,397
baseline
▲ 0.50% · 4.625%
HK$18,456
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,794/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,212
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,700
−HK$496/mo
Today · 4.125%
HK$19,196
baseline
▲ 0.50% · 4.625%
HK$20,208
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,392/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,644
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,256
−HK$620/mo
Today · 4.125%
HK$20,876
baseline
▲ 0.50% · 4.625%
HK$22,147
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,752/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,854
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,440
−HK$595/mo
Today · 4.125%
HK$23,035
baseline
▲ 0.50% · 4.625%
HK$24,249
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,070/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,919
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,631
−HK$725/mo
Today · 4.125%
HK$24,356
baseline
▲ 0.50% · 4.625%
HK$25,838
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,712/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,497
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,180
−HK$694/mo
Today · 4.125%
HK$26,874
baseline
▲ 0.50% · 4.625%
HK$28,291
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,748/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,467
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,383
−HK$932/mo
Today · 4.125%
HK$31,315
baseline
▲ 0.50% · 4.625%
HK$33,220
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,630/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,376 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,781
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,661
−HK$891/mo
Today · 4.125%
HK$34,552
baseline
▲ 0.50% · 4.625%
HK$36,374
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,104/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,376 · 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).