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$16,379
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,889
−HK$517/mo
Today · 4.125%
HK$17,406
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,812/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,222
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$495/mo
Today · 4.125%
HK$19,206
baseline
▲ 0.50% · 4.625%
HK$20,219
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,412/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,655
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$621/mo
Today · 4.125%
HK$20,888
baseline
▲ 0.50% · 4.625%
HK$22,159
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,776/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,866
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,453
−HK$595/mo
Today · 4.125%
HK$23,048
baseline
▲ 0.50% · 4.625%
HK$24,262
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,096/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,931
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,644
−HK$725/mo
Today · 4.125%
HK$24,369
baseline
▲ 0.50% · 4.625%
HK$25,852
+HK$1,483/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,738/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,511
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,195
−HK$694/mo
Today · 4.125%
HK$26,889
baseline
▲ 0.50% · 4.625%
HK$28,306
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,778/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,483
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,400
−HK$932/mo
Today · 4.125%
HK$31,332
baseline
▲ 0.50% · 4.625%
HK$33,238
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,664/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,799
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,679
−HK$892/mo
Today · 4.125%
HK$34,571
baseline
▲ 0.50% · 4.625%
HK$36,394
+HK$1,823/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,142/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,494 · 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).