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$16,366
−HK$1,026/mo
▼ 0.25% · 3.875%
HK$16,875
−HK$517/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,207
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,695
−HK$495/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,202
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,380/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,639
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,250
−HK$621/mo
Today · 4.125%
HK$20,871
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,269/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,742/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,848
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,434
−HK$595/mo
Today · 4.125%
HK$23,029
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,213/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,058/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,912
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,625
−HK$724/mo
Today · 4.125%
HK$24,349
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,481/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,698/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,490
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,173
−HK$694/mo
Today · 4.125%
HK$26,867
baseline
▲ 0.50% · 4.625%
HK$28,283
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,734/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,458
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,375
−HK$931/mo
Today · 4.125%
HK$31,306
baseline
▲ 0.50% · 4.625%
HK$33,211
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,612/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,772
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,651
−HK$892/mo
Today · 4.125%
HK$34,543
baseline
▲ 0.50% · 4.625%
HK$36,364
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,086/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,316 · 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).