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$16,365
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,874
−HK$518/mo
Today · 4.125%
HK$17,392
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,784/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,206
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,694
−HK$496/mo
Today · 4.125%
HK$19,190
baseline
▲ 0.50% · 4.625%
HK$20,201
+HK$1,011/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,380/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,638
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,249
−HK$621/mo
Today · 4.125%
HK$20,870
baseline
▲ 0.50% · 4.625%
HK$22,140
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,740/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,847
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,433
−HK$595/mo
Today · 4.125%
HK$23,028
baseline
▲ 0.50% · 4.625%
HK$24,242
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,056/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,911
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,624
−HK$724/mo
Today · 4.125%
HK$24,348
baseline
▲ 0.50% · 4.625%
HK$25,830
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,696/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,489
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,172
−HK$694/mo
Today · 4.125%
HK$26,866
baseline
▲ 0.50% · 4.625%
HK$28,282
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,732/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,458
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,374
−HK$931/mo
Today · 4.125%
HK$31,305
baseline
▲ 0.50% · 4.625%
HK$33,210
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,610/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,309 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,771
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,650
−HK$892/mo
Today · 4.125%
HK$34,542
baseline
▲ 0.50% · 4.625%
HK$36,362
+HK$1,820/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,084/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,309 · 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).