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$16,372
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$518/mo
Today · 4.125%
HK$17,399
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,798/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,214
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,702
−HK$496/mo
Today · 4.125%
HK$19,198
baseline
▲ 0.50% · 4.625%
HK$20,210
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,396/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,646
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,258
−HK$620/mo
Today · 4.125%
HK$20,878
baseline
▲ 0.50% · 4.625%
HK$22,149
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,756/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,856
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,443
−HK$594/mo
Today · 4.125%
HK$23,037
baseline
▲ 0.50% · 4.625%
HK$24,252
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,074/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,921
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,634
−HK$724/mo
Today · 4.125%
HK$24,358
baseline
▲ 0.50% · 4.625%
HK$25,840
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,716/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,499
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,183
−HK$694/mo
Today · 4.125%
HK$26,877
baseline
▲ 0.50% · 4.625%
HK$28,294
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,754/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,470
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,386
−HK$932/mo
Today · 4.125%
HK$31,318
baseline
▲ 0.50% · 4.625%
HK$33,223
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,636/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,785
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,664
−HK$892/mo
Today · 4.125%
HK$34,556
baseline
▲ 0.50% · 4.625%
HK$36,377
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,112/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,397 · 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).