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$16,391
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,901
−HK$518/mo
Today · 4.125%
HK$17,419
baseline
▲ 0.50% · 4.625%
HK$18,479
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,838/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,235
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,724
−HK$496/mo
Today · 4.125%
HK$19,220
baseline
▲ 0.50% · 4.625%
HK$20,233
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,440/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,281
−HK$622/mo
Today · 4.125%
HK$20,903
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,271/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,806/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,882
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,469
−HK$595/mo
Today · 4.125%
HK$23,064
baseline
▲ 0.50% · 4.625%
HK$24,280
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,128/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,947
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,661
−HK$725/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,870
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,529
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$695/mo
Today · 4.125%
HK$26,908
baseline
▲ 0.50% · 4.625%
HK$28,326
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,816/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,504
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,421
−HK$933/mo
Today · 4.125%
HK$31,354
baseline
▲ 0.50% · 4.625%
HK$33,262
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,708/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,823
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,703
−HK$893/mo
Today · 4.125%
HK$34,596
baseline
▲ 0.50% · 4.625%
HK$36,419
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,192/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,646 · 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).