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$16,386
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$518/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,473
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,826/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,229
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,718
−HK$496/mo
Today · 4.125%
HK$19,214
baseline
▲ 0.50% · 4.625%
HK$20,227
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,428/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,663
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,275
−HK$621/mo
Today · 4.125%
HK$20,896
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,792/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,875
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$596/mo
Today · 4.125%
HK$23,057
baseline
▲ 0.50% · 4.625%
HK$24,272
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,114/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,940
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,654
−HK$725/mo
Today · 4.125%
HK$24,379
baseline
▲ 0.50% · 4.625%
HK$25,862
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,758/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,521
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,205
−HK$694/mo
Today · 4.125%
HK$26,899
baseline
▲ 0.50% · 4.625%
HK$28,317
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,798/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,494
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,412
−HK$932/mo
Today · 4.125%
HK$31,344
baseline
▲ 0.50% · 4.625%
HK$33,251
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,688/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,812
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,692
−HK$893/mo
Today · 4.125%
HK$34,585
baseline
▲ 0.50% · 4.625%
HK$36,408
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,170/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,578 · 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).