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$16,389
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$518/mo
Today · 4.125%
HK$17,416
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,832/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,232
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,721
−HK$496/mo
Today · 4.125%
HK$19,217
baseline
▲ 0.50% · 4.625%
HK$20,230
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,434/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,666
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,278
−HK$622/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,171
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,800/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,879
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,465
−HK$596/mo
Today · 4.125%
HK$23,061
baseline
▲ 0.50% · 4.625%
HK$24,276
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,122/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,944
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,658
−HK$725/mo
Today · 4.125%
HK$24,383
baseline
▲ 0.50% · 4.625%
HK$25,866
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,766/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,525
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,210
−HK$694/mo
Today · 4.125%
HK$26,904
baseline
▲ 0.50% · 4.625%
HK$28,322
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,808/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,499
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,417
−HK$932/mo
Today · 4.125%
HK$31,349
baseline
▲ 0.50% · 4.625%
HK$33,257
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,698/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,818
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,698
−HK$893/mo
Today · 4.125%
HK$34,591
baseline
▲ 0.50% · 4.625%
HK$36,414
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,182/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,616 · 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).