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$16,385
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$518/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,472
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,228
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,717
−HK$496/mo
Today · 4.125%
HK$19,213
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,426/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,662
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,273
−HK$622/mo
Today · 4.125%
HK$20,895
baseline
▲ 0.50% · 4.625%
HK$22,166
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,790/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,874
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,460
−HK$595/mo
Today · 4.125%
HK$23,055
baseline
▲ 0.50% · 4.625%
HK$24,271
+HK$1,216/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,110/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,939
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,652
−HK$725/mo
Today · 4.125%
HK$24,377
baseline
▲ 0.50% · 4.625%
HK$25,861
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,754/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,519
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,204
−HK$694/mo
Today · 4.125%
HK$26,898
baseline
▲ 0.50% · 4.625%
HK$28,316
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,796/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,493
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,410
−HK$932/mo
Today · 4.125%
HK$31,342
baseline
▲ 0.50% · 4.625%
HK$33,249
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,684/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,810
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,690
−HK$893/mo
Today · 4.125%
HK$34,583
baseline
▲ 0.50% · 4.625%
HK$36,406
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,166/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,566 · 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).