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$16,384
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,894
−HK$518/mo
Today · 4.125%
HK$17,412
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$1,059/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$34,824/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,227
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,716
−HK$496/mo
Today · 4.125%
HK$19,212
baseline
▲ 0.50% · 4.625%
HK$20,225
+HK$1,013/mo
Deposit HK$3.59M · loan HK$3.59M · min. income ≈ HK$38,424/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,661
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,272
−HK$622/mo
Today · 4.125%
HK$20,894
baseline
▲ 0.50% · 4.625%
HK$22,165
+HK$1,271/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$41,788/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,873
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$22,459
−HK$595/mo
Today · 4.125%
HK$23,054
baseline
▲ 0.50% · 4.625%
HK$24,270
+HK$1,216/mo
Deposit HK$2.87M · loan HK$4.31M · min. income ≈ HK$46,108/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,938
−HK$1,438/mo
▼ 0.25% · 3.875%
HK$23,651
−HK$725/mo
Today · 4.125%
HK$24,376
baseline
▲ 0.50% · 4.625%
HK$25,859
+HK$1,483/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,752/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,518
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,202
−HK$695/mo
Today · 4.125%
HK$26,897
baseline
▲ 0.50% · 4.625%
HK$28,314
+HK$1,417/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,794/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,491
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,409
−HK$932/mo
Today · 4.125%
HK$31,341
baseline
▲ 0.50% · 4.625%
HK$33,248
+HK$1,907/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,682/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,809
−HK$1,772/mo
▼ 0.25% · 3.875%
HK$33,689
−HK$892/mo
Today · 4.125%
HK$34,581
baseline
▲ 0.50% · 4.625%
HK$36,404
+HK$1,823/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,162/mo (50% DSR)
Upfront cash ≈ HK$934K (deposit + AVD stamp duty HK$215,557 · 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).