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$16,378
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$518/mo
Today · 4.125%
HK$17,406
baseline
▲ 0.50% · 4.625%
HK$18,465
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,812/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,221
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,710
−HK$495/mo
Today · 4.125%
HK$19,205
baseline
▲ 0.50% · 4.625%
HK$20,218
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,410/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,654
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,266
−HK$621/mo
Today · 4.125%
HK$20,887
baseline
▲ 0.50% · 4.625%
HK$22,158
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,774/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,865
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,451
−HK$595/mo
Today · 4.125%
HK$23,046
baseline
▲ 0.50% · 4.625%
HK$24,261
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,092/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,930
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,643
−HK$725/mo
Today · 4.125%
HK$24,368
baseline
▲ 0.50% · 4.625%
HK$25,850
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,736/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,509
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,193
−HK$694/mo
Today · 4.125%
HK$26,887
baseline
▲ 0.50% · 4.625%
HK$28,305
+HK$1,418/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,774/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,481
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,398
−HK$932/mo
Today · 4.125%
HK$31,330
baseline
▲ 0.50% · 4.625%
HK$33,236
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,660/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,798
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,677
−HK$893/mo
Today · 4.125%
HK$34,570
baseline
▲ 0.50% · 4.625%
HK$36,392
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,140/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,482 · 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).