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$16,384
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$518/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,822/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$495/mo
Today · 4.125%
HK$19,211
baseline
▲ 0.50% · 4.625%
HK$20,224
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,422/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,660
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,272
−HK$621/mo
Today · 4.125%
HK$20,893
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,272/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,786/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,872
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$595/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,269
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,937
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,651
−HK$725/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,517
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$694/mo
Today · 4.125%
HK$26,896
baseline
▲ 0.50% · 4.625%
HK$28,314
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,792/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,491
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,408
−HK$932/mo
Today · 4.125%
HK$31,340
baseline
▲ 0.50% · 4.625%
HK$33,247
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,680/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,808
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,688
−HK$893/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,403
+HK$1,822/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,552 · 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).