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$16,374
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,883
−HK$518/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,802/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,216
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,704
−HK$496/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,212
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,649
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,260
−HK$621/mo
Today · 4.125%
HK$20,881
baseline
▲ 0.50% · 4.625%
HK$22,151
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,762/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,859
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,445
−HK$595/mo
Today · 4.125%
HK$23,040
baseline
▲ 0.50% · 4.625%
HK$24,254
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,080/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,923
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,637
−HK$724/mo
Today · 4.125%
HK$24,361
baseline
▲ 0.50% · 4.625%
HK$25,843
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,722/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,502
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,186
−HK$694/mo
Today · 4.125%
HK$26,880
baseline
▲ 0.50% · 4.625%
HK$28,297
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,760/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,473
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,390
−HK$931/mo
Today · 4.125%
HK$31,321
baseline
▲ 0.50% · 4.625%
HK$33,227
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,642/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,788
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,668
−HK$892/mo
Today · 4.125%
HK$34,560
baseline
▲ 0.50% · 4.625%
HK$36,382
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,120/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,422 · 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).