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$16,380
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$517/mo
Today · 4.125%
HK$17,407
baseline
▲ 0.50% · 4.625%
HK$18,466
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,814/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,223
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,711
−HK$496/mo
Today · 4.125%
HK$19,207
baseline
▲ 0.50% · 4.625%
HK$20,220
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,414/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,656
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,267
−HK$622/mo
Today · 4.125%
HK$20,889
baseline
▲ 0.50% · 4.625%
HK$22,160
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,778/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,867
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,454
−HK$595/mo
Today · 4.125%
HK$23,049
baseline
▲ 0.50% · 4.625%
HK$24,263
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,098/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,932
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,645
−HK$725/mo
Today · 4.125%
HK$24,370
baseline
▲ 0.50% · 4.625%
HK$25,853
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,740/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,512
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,196
−HK$694/mo
Today · 4.125%
HK$26,890
baseline
▲ 0.50% · 4.625%
HK$28,307
+HK$1,417/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,780/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,484
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$30,401
−HK$932/mo
Today · 4.125%
HK$31,333
baseline
▲ 0.50% · 4.625%
HK$33,239
+HK$1,906/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$62,666/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,801
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,680
−HK$893/mo
Today · 4.125%
HK$34,573
baseline
▲ 0.50% · 4.625%
HK$36,395
+HK$1,822/mo
Deposit HK$718K · loan HK$6.47M · min. income ≈ HK$69,146/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,503 · 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).