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$16,369
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,878
−HK$518/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,454
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,792/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,211
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,699
−HK$495/mo
Today · 4.125%
HK$19,194
baseline
▲ 0.50% · 4.625%
HK$20,206
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,388/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,643
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,254
−HK$621/mo
Today · 4.125%
HK$20,875
baseline
▲ 0.50% · 4.625%
HK$22,145
+HK$1,270/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,750/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,853
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$22,439
−HK$594/mo
Today · 4.125%
HK$23,033
baseline
▲ 0.50% · 4.625%
HK$24,248
+HK$1,215/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,066/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,917
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,630
−HK$724/mo
Today · 4.125%
HK$24,354
baseline
▲ 0.50% · 4.625%
HK$25,836
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,708/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,495
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,179
−HK$693/mo
Today · 4.125%
HK$26,872
baseline
▲ 0.50% · 4.625%
HK$28,289
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,744/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,465
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$30,381
−HK$931/mo
Today · 4.125%
HK$31,312
baseline
▲ 0.50% · 4.625%
HK$33,218
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,624/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,779
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,658
−HK$892/mo
Today · 4.125%
HK$34,550
baseline
▲ 0.50% · 4.625%
HK$36,371
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,100/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,361 · 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).