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$16,382
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,892
−HK$517/mo
Today · 4.125%
HK$17,409
baseline
▲ 0.50% · 4.625%
HK$18,469
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,818/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,225
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,714
−HK$496/mo
Today · 4.125%
HK$19,210
baseline
▲ 0.50% · 4.625%
HK$20,222
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,420/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,659
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,270
−HK$621/mo
Today · 4.125%
HK$20,891
baseline
▲ 0.50% · 4.625%
HK$22,163
+HK$1,272/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,782/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,870
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,457
−HK$595/mo
Today · 4.125%
HK$23,052
baseline
▲ 0.50% · 4.625%
HK$24,267
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,104/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,935
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,648
−HK$725/mo
Today · 4.125%
HK$24,373
baseline
▲ 0.50% · 4.625%
HK$25,856
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,746/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,515
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,199
−HK$695/mo
Today · 4.125%
HK$26,894
baseline
▲ 0.50% · 4.625%
HK$28,311
+HK$1,417/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,788/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,488
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,405
−HK$932/mo
Today · 4.125%
HK$31,337
baseline
▲ 0.50% · 4.625%
HK$33,244
+HK$1,907/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,674/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,531 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,805
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,685
−HK$892/mo
Today · 4.125%
HK$34,577
baseline
▲ 0.50% · 4.625%
HK$36,400
+HK$1,823/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,154/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,531 · 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).