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$1,028/mo
▼ 0.25% · 3.875%
HK$16,899
−HK$518/mo
Today · 4.125%
HK$17,417
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,834/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,233
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,722
−HK$496/mo
Today · 4.125%
HK$19,218
baseline
▲ 0.50% · 4.625%
HK$20,231
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,436/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,667
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,279
−HK$621/mo
Today · 4.125%
HK$20,900
baseline
▲ 0.50% · 4.625%
HK$22,172
+HK$1,272/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$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,880
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,466
−HK$596/mo
Today · 4.125%
HK$23,062
baseline
▲ 0.50% · 4.625%
HK$24,277
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,124/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,945
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,659
−HK$725/mo
Today · 4.125%
HK$24,384
baseline
▲ 0.50% · 4.625%
HK$25,868
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,768/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,526
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,211
−HK$694/mo
Today · 4.125%
HK$26,905
baseline
▲ 0.50% · 4.625%
HK$28,323
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,810/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,501
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,418
−HK$933/mo
Today · 4.125%
HK$31,351
baseline
▲ 0.50% · 4.625%
HK$33,258
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,702/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,819
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,700
−HK$892/mo
Today · 4.125%
HK$34,592
baseline
▲ 0.50% · 4.625%
HK$36,416
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,184/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,625 · 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).