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$16,376
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$517/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,219
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,707
−HK$496/mo
Today · 4.125%
HK$19,203
baseline
▲ 0.50% · 4.625%
HK$20,215
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,406/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,652
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,263
−HK$621/mo
Today · 4.125%
HK$20,884
baseline
▲ 0.50% · 4.625%
HK$22,155
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,768/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,862
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,449
−HK$595/mo
Today · 4.125%
HK$23,044
baseline
▲ 0.50% · 4.625%
HK$24,258
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,088/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,927
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,640
−HK$725/mo
Today · 4.125%
HK$24,365
baseline
▲ 0.50% · 4.625%
HK$25,847
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,730/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,506
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,190
−HK$694/mo
Today · 4.125%
HK$26,884
baseline
▲ 0.50% · 4.625%
HK$28,301
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,768/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,478
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,395
−HK$931/mo
Today · 4.125%
HK$31,326
baseline
▲ 0.50% · 4.625%
HK$33,232
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,652/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,794
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,673
−HK$892/mo
Today · 4.125%
HK$34,565
baseline
▲ 0.50% · 4.625%
HK$36,387
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,130/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,456 · 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).