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$16,361
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,870
−HK$517/mo
Today · 4.125%
HK$17,387
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,774/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,690
−HK$495/mo
Today · 4.125%
HK$19,185
baseline
▲ 0.50% · 4.625%
HK$20,196
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,370/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,634
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,244
−HK$621/mo
Today · 4.125%
HK$20,865
baseline
▲ 0.50% · 4.625%
HK$22,134
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,730/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,842
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,428
−HK$594/mo
Today · 4.125%
HK$23,022
baseline
▲ 0.50% · 4.625%
HK$24,236
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,044/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,906
−HK$1,436/mo
▼ 0.25% · 3.875%
HK$23,618
−HK$724/mo
Today · 4.125%
HK$24,342
baseline
▲ 0.50% · 4.625%
HK$25,823
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,684/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,482
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,166
−HK$693/mo
Today · 4.125%
HK$26,859
baseline
▲ 0.50% · 4.625%
HK$28,275
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,718/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,450
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,366
−HK$931/mo
Today · 4.125%
HK$31,297
baseline
▲ 0.50% · 4.625%
HK$33,201
+HK$1,904/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,594/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,763
−HK$1,770/mo
▼ 0.25% · 3.875%
HK$33,642
−HK$891/mo
Today · 4.125%
HK$34,533
baseline
▲ 0.50% · 4.625%
HK$36,354
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,066/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,256 · 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).