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$16,387
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,897
−HK$518/mo
Today · 4.125%
HK$17,415
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$1,060/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,830/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,231
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,720
−HK$496/mo
Today · 4.125%
HK$19,216
baseline
▲ 0.50% · 4.625%
HK$20,229
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,432/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,665
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,277
−HK$621/mo
Today · 4.125%
HK$20,898
baseline
▲ 0.50% · 4.625%
HK$22,170
+HK$1,272/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,796/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,877
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,464
−HK$595/mo
Today · 4.125%
HK$23,059
baseline
▲ 0.50% · 4.625%
HK$24,275
+HK$1,216/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,118/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,942
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,656
−HK$725/mo
Today · 4.125%
HK$24,381
baseline
▲ 0.50% · 4.625%
HK$25,865
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,762/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,523
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,208
−HK$694/mo
Today · 4.125%
HK$26,902
baseline
▲ 0.50% · 4.625%
HK$28,320
+HK$1,418/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,804/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,497
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,415
−HK$932/mo
Today · 4.125%
HK$31,347
baseline
▲ 0.50% · 4.625%
HK$33,255
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,694/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,816
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,696
−HK$893/mo
Today · 4.125%
HK$34,589
baseline
▲ 0.50% · 4.625%
HK$36,412
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,178/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,601 · 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).