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$16,374
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,884
−HK$517/mo
Today · 4.125%
HK$17,401
baseline
▲ 0.50% · 4.625%
HK$18,460
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,802/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,216
−HK$984/mo
▼ 0.25% · 3.875%
HK$18,705
−HK$495/mo
Today · 4.125%
HK$19,200
baseline
▲ 0.50% · 4.625%
HK$20,213
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,400/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,649
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$20,260
−HK$621/mo
Today · 4.125%
HK$20,881
baseline
▲ 0.50% · 4.625%
HK$22,152
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,762/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,860
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,446
−HK$595/mo
Today · 4.125%
HK$23,041
baseline
▲ 0.50% · 4.625%
HK$24,255
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,082/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,924
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,637
−HK$725/mo
Today · 4.125%
HK$24,362
baseline
▲ 0.50% · 4.625%
HK$25,844
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$48,724/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,503
−HK$1,378/mo
▼ 0.25% · 3.875%
HK$26,187
−HK$694/mo
Today · 4.125%
HK$26,881
baseline
▲ 0.50% · 4.625%
HK$28,298
+HK$1,417/mo
Deposit HK$2.15M · loan HK$5.03M · min. income ≈ HK$53,762/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,474
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,391
−HK$931/mo
Today · 4.125%
HK$31,322
baseline
▲ 0.50% · 4.625%
HK$33,228
+HK$1,906/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,644/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,429 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,789
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,669
−HK$892/mo
Today · 4.125%
HK$34,561
baseline
▲ 0.50% · 4.625%
HK$36,383
+HK$1,822/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,122/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,429 · 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).