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$16,392
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,902
−HK$518/mo
Today · 4.125%
HK$17,420
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,840/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,236
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,725
−HK$496/mo
Today · 4.125%
HK$19,221
baseline
▲ 0.50% · 4.625%
HK$20,234
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,442/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,671
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,282
−HK$622/mo
Today · 4.125%
HK$20,904
baseline
▲ 0.50% · 4.625%
HK$22,176
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,808/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,883
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,470
−HK$596/mo
Today · 4.125%
HK$23,066
baseline
▲ 0.50% · 4.625%
HK$24,281
+HK$1,215/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,132/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,949
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,663
−HK$725/mo
Today · 4.125%
HK$24,388
baseline
▲ 0.50% · 4.625%
HK$25,872
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,776/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,530
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,215
−HK$695/mo
Today · 4.125%
HK$26,910
baseline
▲ 0.50% · 4.625%
HK$28,328
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,820/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,506
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,424
−HK$932/mo
Today · 4.125%
HK$31,356
baseline
▲ 0.50% · 4.625%
HK$33,264
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,712/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,825
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,705
−HK$893/mo
Today · 4.125%
HK$34,598
baseline
▲ 0.50% · 4.625%
HK$36,422
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,196/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,662 · 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).