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$16,373
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,882
−HK$518/mo
Today · 4.125%
HK$17,400
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,800/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,215
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,703
−HK$496/mo
Today · 4.125%
HK$19,199
baseline
▲ 0.50% · 4.625%
HK$20,211
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,398/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,648
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,259
−HK$621/mo
Today · 4.125%
HK$20,880
baseline
▲ 0.50% · 4.625%
HK$22,150
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,760/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,858
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,444
−HK$595/mo
Today · 4.125%
HK$23,039
baseline
▲ 0.50% · 4.625%
HK$24,253
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,078/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,922
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,635
−HK$725/mo
Today · 4.125%
HK$24,360
baseline
▲ 0.50% · 4.625%
HK$25,842
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,720/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,501
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,185
−HK$694/mo
Today · 4.125%
HK$26,879
baseline
▲ 0.50% · 4.625%
HK$28,295
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,758/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,472
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,388
−HK$932/mo
Today · 4.125%
HK$31,320
baseline
▲ 0.50% · 4.625%
HK$33,225
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,640/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,787
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,666
−HK$892/mo
Today · 4.125%
HK$34,558
baseline
▲ 0.50% · 4.625%
HK$36,380
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,116/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,412 · 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).