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$16,363
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,872
−HK$517/mo
Today · 4.125%
HK$17,389
baseline
▲ 0.50% · 4.625%
HK$18,447
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,778/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,204
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,692
−HK$495/mo
Today · 4.125%
HK$19,187
baseline
▲ 0.50% · 4.625%
HK$20,199
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,374/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,636
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,247
−HK$620/mo
Today · 4.125%
HK$20,867
baseline
▲ 0.50% · 4.625%
HK$22,137
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,734/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,845
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,431
−HK$594/mo
Today · 4.125%
HK$23,025
baseline
▲ 0.50% · 4.625%
HK$24,239
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,050/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,909
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,621
−HK$724/mo
Today · 4.125%
HK$24,345
baseline
▲ 0.50% · 4.625%
HK$25,826
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,690/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,486
−HK$1,376/mo
▼ 0.25% · 3.875%
HK$26,169
−HK$693/mo
Today · 4.125%
HK$26,862
baseline
▲ 0.50% · 4.625%
HK$28,278
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,724/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,454
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,370
−HK$931/mo
Today · 4.125%
HK$31,301
baseline
▲ 0.50% · 4.625%
HK$33,205
+HK$1,904/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,602/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,767
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,646
−HK$891/mo
Today · 4.125%
HK$34,537
baseline
▲ 0.50% · 4.625%
HK$36,358
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,074/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,282 · 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).