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$16,385
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,895
−HK$518/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$1,059/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$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$496/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,226
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,662
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,274
−HK$621/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$22,167
+HK$1,272/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,461
−HK$595/mo
Today · 4.125%
HK$23,056
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,112/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,653
−HK$725/mo
Today · 4.125%
HK$24,378
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,756/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,520
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$694/mo
Today · 4.125%
HK$26,898
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,796/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,411
−HK$932/mo
Today · 4.125%
HK$31,343
baseline
▲ 0.50% · 4.625%
HK$33,250
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,686/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,811
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,691
−HK$893/mo
Today · 4.125%
HK$34,584
baseline
▲ 0.50% · 4.625%
HK$36,407
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,168/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,570 · 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).