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$16,377
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$518/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,463
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$495/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$621/mo
Today · 4.125%
HK$20,885
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,770/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,863
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$595/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,259
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,641
−HK$724/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,848
+HK$1,483/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,507
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,191
−HK$694/mo
Today · 4.125%
HK$26,885
baseline
▲ 0.50% · 4.625%
HK$28,302
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,770/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$932/mo
Today · 4.125%
HK$31,327
baseline
▲ 0.50% · 4.625%
HK$33,233
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,654/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,674
−HK$892/mo
Today · 4.125%
HK$34,566
baseline
▲ 0.50% · 4.625%
HK$36,388
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,132/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,461 · 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).