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$16,395
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$518/mo
Today · 4.125%
HK$17,423
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,846/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,239
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$496/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,238
+HK$1,014/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,674
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$621/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,887
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,474
−HK$595/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,953
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,667
−HK$725/mo
Today · 4.125%
HK$24,392
baseline
▲ 0.50% · 4.625%
HK$25,876
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,784/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,219
−HK$695/mo
Today · 4.125%
HK$26,914
baseline
▲ 0.50% · 4.625%
HK$28,333
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,828/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$933/mo
Today · 4.125%
HK$31,361
baseline
▲ 0.50% · 4.625%
HK$33,269
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,722/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,830
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,711
−HK$893/mo
Today · 4.125%
HK$34,604
baseline
▲ 0.50% · 4.625%
HK$36,428
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,208/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,696 · 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).