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$16,414
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$518/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$497/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,494/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,697
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$623/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,912
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,500
−HK$596/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$727/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$696/mo
Today · 4.125%
HK$26,946
baseline
▲ 0.50% · 4.625%
HK$28,366
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,892/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$934/mo
Today · 4.125%
HK$31,398
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,796/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,869
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$895/mo
Today · 4.125%
HK$34,645
baseline
▲ 0.50% · 4.625%
HK$36,471
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,290/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,950 · 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).