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$16,397
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$518/mo
Today · 4.125%
HK$17,425
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,850/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,241
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$497/mo
Today · 4.125%
HK$19,227
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,013/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,454/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,676
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$622/mo
Today · 4.125%
HK$20,910
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,820/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$596/mo
Today · 4.125%
HK$23,072
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,144/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$726/mo
Today · 4.125%
HK$24,395
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,790/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$694/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,336
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,834/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,514
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,432
−HK$933/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,273
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,834
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$893/mo
Today · 4.125%
HK$34,608
baseline
▲ 0.50% · 4.625%
HK$36,432
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,216/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,723 · 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).