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$16,375
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$518/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,804/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,217
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$496/mo
Today · 4.125%
HK$19,201
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,402/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,261
−HK$621/mo
Today · 4.125%
HK$20,882
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,764/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$595/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,256
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,925
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,638
−HK$724/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,845
+HK$1,483/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$694/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,475
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$932/mo
Today · 4.125%
HK$31,323
baseline
▲ 0.50% · 4.625%
HK$33,229
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,646/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,790
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$893/mo
Today · 4.125%
HK$34,562
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,124/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,433 · 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).