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$16,394
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$518/mo
Today · 4.125%
HK$17,422
baseline
▲ 0.50% · 4.625%
HK$18,482
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,844/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,238
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,728
−HK$496/mo
Today · 4.125%
HK$19,224
baseline
▲ 0.50% · 4.625%
HK$20,237
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,448/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,673
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,285
−HK$622/mo
Today · 4.125%
HK$20,907
baseline
▲ 0.50% · 4.625%
HK$22,179
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,814/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,886
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,473
−HK$596/mo
Today · 4.125%
HK$23,069
baseline
▲ 0.50% · 4.625%
HK$24,285
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,138/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,952
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,666
−HK$725/mo
Today · 4.125%
HK$24,391
baseline
▲ 0.50% · 4.625%
HK$25,875
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,782/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,534
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,219
−HK$694/mo
Today · 4.125%
HK$26,913
baseline
▲ 0.50% · 4.625%
HK$28,332
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,826/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,510
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,428
−HK$932/mo
Today · 4.125%
HK$31,360
baseline
▲ 0.50% · 4.625%
HK$33,268
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,720/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,690 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,829
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,710
−HK$893/mo
Today · 4.125%
HK$34,603
baseline
▲ 0.50% · 4.625%
HK$36,427
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,206/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,690 · 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).