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$16,390
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,900
−HK$518/mo
Today · 4.125%
HK$17,418
baseline
▲ 0.50% · 4.625%
HK$18,478
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,836/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,234
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,723
−HK$496/mo
Today · 4.125%
HK$19,219
baseline
▲ 0.50% · 4.625%
HK$20,232
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,438/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,669
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,280
−HK$622/mo
Today · 4.125%
HK$20,902
baseline
▲ 0.50% · 4.625%
HK$22,174
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,804/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,881
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,468
−HK$595/mo
Today · 4.125%
HK$23,063
baseline
▲ 0.50% · 4.625%
HK$24,279
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,126/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,947
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,660
−HK$726/mo
Today · 4.125%
HK$24,386
baseline
▲ 0.50% · 4.625%
HK$25,869
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,772/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,528
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,213
−HK$694/mo
Today · 4.125%
HK$26,907
baseline
▲ 0.50% · 4.625%
HK$28,325
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,814/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,503
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,421
−HK$932/mo
Today · 4.125%
HK$31,353
baseline
▲ 0.50% · 4.625%
HK$33,261
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,706/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,822
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,702
−HK$893/mo
Today · 4.125%
HK$34,595
baseline
▲ 0.50% · 4.625%
HK$36,418
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,190/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,640 · 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).