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$16,369
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$517/mo
Today · 4.125%
HK$17,395
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,790/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,210
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$495/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$620/mo
Today · 4.125%
HK$20,874
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,748/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,852
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,438
−HK$595/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,247
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,916
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,629
−HK$725/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,835
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,494
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,178
−HK$694/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,288
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,464
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,380
−HK$932/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$33,217
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,778
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$891/mo
Today · 4.125%
HK$34,549
baseline
▲ 0.50% · 4.625%
HK$36,370
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,098/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,356 · 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).