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$16,381
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$518/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,224
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,713
−HK$496/mo
Today · 4.125%
HK$19,209
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,418/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,658
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,269
−HK$621/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,162
+HK$1,272/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,780/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,869
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,456
−HK$595/mo
Today · 4.125%
HK$23,051
baseline
▲ 0.50% · 4.625%
HK$24,266
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,102/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,934
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,647
−HK$725/mo
Today · 4.125%
HK$24,372
baseline
▲ 0.50% · 4.625%
HK$25,855
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,744/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,514
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,198
−HK$694/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,310
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,784/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,487
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,404
−HK$932/mo
Today · 4.125%
HK$31,336
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,906/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,672/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,683
−HK$893/mo
Today · 4.125%
HK$34,576
baseline
▲ 0.50% · 4.625%
HK$36,398
+HK$1,822/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,152/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,521 · 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).