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$16,367
−HK$1,027/mo
▼ 0.25% · 3.875%
HK$16,876
−HK$518/mo
Today · 4.125%
HK$17,394
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$1,058/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,788/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,209
−HK$983/mo
▼ 0.25% · 3.875%
HK$18,697
−HK$495/mo
Today · 4.125%
HK$19,192
baseline
▲ 0.50% · 4.625%
HK$20,204
+HK$1,012/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,384/mo (50% DSR)
Upfront cash ≈ HK$3.80M (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,641
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$20,252
−HK$620/mo
Today · 4.125%
HK$20,872
baseline
▲ 0.50% · 4.625%
HK$22,143
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,744/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,850
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,436
−HK$595/mo
Today · 4.125%
HK$23,031
baseline
▲ 0.50% · 4.625%
HK$24,245
+HK$1,214/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,062/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,914
−HK$1,437/mo
▼ 0.25% · 3.875%
HK$23,627
−HK$724/mo
Today · 4.125%
HK$24,351
baseline
▲ 0.50% · 4.625%
HK$25,833
+HK$1,482/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$48,702/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,492
−HK$1,377/mo
▼ 0.25% · 3.875%
HK$26,176
−HK$693/mo
Today · 4.125%
HK$26,869
baseline
▲ 0.50% · 4.625%
HK$28,285
+HK$1,416/mo
Deposit HK$2.15M · loan HK$5.02M · min. income ≈ HK$53,738/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,461
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$30,378
−HK$931/mo
Today · 4.125%
HK$31,309
baseline
▲ 0.50% · 4.625%
HK$33,214
+HK$1,905/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$62,618/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,775
−HK$1,771/mo
▼ 0.25% · 3.875%
HK$33,654
−HK$892/mo
Today · 4.125%
HK$34,546
baseline
▲ 0.50% · 4.625%
HK$36,367
+HK$1,821/mo
Deposit HK$718K · loan HK$6.46M · min. income ≈ HK$69,092/mo (50% DSR)
Upfront cash ≈ HK$933K (deposit + AVD stamp duty HK$215,336 · 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).