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$1,027/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$517/mo
Today · 4.125%
HK$17,408
baseline
▲ 0.50% · 4.625%
HK$18,468
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,816/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,224
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,712
−HK$496/mo
Today · 4.125%
HK$19,208
baseline
▲ 0.50% · 4.625%
HK$20,221
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,416/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,657
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,269
−HK$621/mo
Today · 4.125%
HK$20,890
baseline
▲ 0.50% · 4.625%
HK$22,161
+HK$1,271/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$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,868
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,455
−HK$595/mo
Today · 4.125%
HK$23,050
baseline
▲ 0.50% · 4.625%
HK$24,265
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,100/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,933
−HK$1,439/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$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,513
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,197
−HK$695/mo
Today · 4.125%
HK$26,892
baseline
▲ 0.50% · 4.625%
HK$28,309
+HK$1,417/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$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,486
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,403
−HK$932/mo
Today · 4.125%
HK$31,335
baseline
▲ 0.50% · 4.625%
HK$33,242
+HK$1,907/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,670/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,803
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,682
−HK$893/mo
Today · 4.125%
HK$34,575
baseline
▲ 0.50% · 4.625%
HK$36,397
+HK$1,822/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,150/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,516 · 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).