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$16,367
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,876
−HK$517/mo
Today · 4.125%
HK$17,393
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,786/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,208
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,696
−HK$495/mo
Today · 4.125%
HK$19,191
baseline
▲ 0.50% · 4.625%
HK$20,203
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,382/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,640
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,251
−HK$621/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$22,142
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,849
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,435
−HK$595/mo
Today · 4.125%
HK$23,030
baseline
▲ 0.50% · 4.625%
HK$24,244
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,060/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,913
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,626
−HK$724/mo
Today · 4.125%
HK$24,350
baseline
▲ 0.50% · 4.625%
HK$25,832
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,700/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,491
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,174
−HK$694/mo
Today · 4.125%
HK$26,868
baseline
▲ 0.50% · 4.625%
HK$28,284
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,736/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,460
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,376
−HK$931/mo
Today · 4.125%
HK$31,307
baseline
▲ 0.50% · 4.625%
HK$33,212
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,614/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,774
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,653
−HK$892/mo
Today · 4.125%
HK$34,545
baseline
▲ 0.50% · 4.625%
HK$36,366
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,090/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,327 · 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).