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$16,377
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$517/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,220
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,708
−HK$496/mo
Today · 4.125%
HK$19,204
baseline
▲ 0.50% · 4.625%
HK$20,216
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,408/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,653
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,264
−HK$621/mo
Today · 4.125%
HK$20,885
baseline
▲ 0.50% · 4.625%
HK$22,156
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,770/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,864
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,450
−HK$595/mo
Today · 4.125%
HK$23,045
baseline
▲ 0.50% · 4.625%
HK$24,260
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,090/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,928
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,642
−HK$724/mo
Today · 4.125%
HK$24,366
baseline
▲ 0.50% · 4.625%
HK$25,849
+HK$1,483/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,732/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,508
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,192
−HK$694/mo
Today · 4.125%
HK$26,886
baseline
▲ 0.50% · 4.625%
HK$28,303
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,772/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,479
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,396
−HK$932/mo
Today · 4.125%
HK$31,328
baseline
▲ 0.50% · 4.625%
HK$33,234
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,656/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,796
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,675
−HK$892/mo
Today · 4.125%
HK$34,567
baseline
▲ 0.50% · 4.625%
HK$36,390
+HK$1,823/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,134/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,469 · 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).