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$16,364
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,873
−HK$517/mo
Today · 4.125%
HK$17,390
baseline
▲ 0.50% · 4.625%
HK$18,449
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,780/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,205
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,693
−HK$496/mo
Today · 4.125%
HK$19,189
baseline
▲ 0.50% · 4.625%
HK$20,200
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,378/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,637
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,248
−HK$621/mo
Today · 4.125%
HK$20,869
baseline
▲ 0.50% · 4.625%
HK$22,138
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,738/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,846
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,432
−HK$594/mo
Today · 4.125%
HK$23,026
baseline
▲ 0.50% · 4.625%
HK$24,240
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,052/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,910
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,623
−HK$724/mo
Today · 4.125%
HK$24,347
baseline
▲ 0.50% · 4.625%
HK$25,828
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,694/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,487
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,171
−HK$693/mo
Today · 4.125%
HK$26,864
baseline
▲ 0.50% · 4.625%
HK$28,280
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,728/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,456
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,372
−HK$931/mo
Today · 4.125%
HK$31,303
baseline
▲ 0.50% · 4.625%
HK$33,208
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,606/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,769
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,648
−HK$892/mo
Today · 4.125%
HK$34,540
baseline
▲ 0.50% · 4.625%
HK$36,360
+HK$1,820/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,080/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,296 · 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).