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$16,375
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,885
−HK$517/mo
Today · 4.125%
HK$17,402
baseline
▲ 0.50% · 4.625%
HK$18,461
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,804/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,217
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,706
−HK$496/mo
Today · 4.125%
HK$19,202
baseline
▲ 0.50% · 4.625%
HK$20,214
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,404/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,650
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,262
−HK$621/mo
Today · 4.125%
HK$20,883
baseline
▲ 0.50% · 4.625%
HK$22,153
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,766/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,861
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,447
−HK$595/mo
Today · 4.125%
HK$23,042
baseline
▲ 0.50% · 4.625%
HK$24,257
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,084/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,926
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,639
−HK$724/mo
Today · 4.125%
HK$24,363
baseline
▲ 0.50% · 4.625%
HK$25,846
+HK$1,483/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,726/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,504
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,188
−HK$694/mo
Today · 4.125%
HK$26,882
baseline
▲ 0.50% · 4.625%
HK$28,299
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,764/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,476
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,393
−HK$931/mo
Today · 4.125%
HK$31,324
baseline
▲ 0.50% · 4.625%
HK$33,230
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,648/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,791
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,671
−HK$892/mo
Today · 4.125%
HK$34,563
baseline
▲ 0.50% · 4.625%
HK$36,385
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,126/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,442 · 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).