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$16,399
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,910
−HK$518/mo
Today · 4.125%
HK$17,428
baseline
▲ 0.50% · 4.625%
HK$18,488
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,856/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,244
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,734
−HK$496/mo
Today · 4.125%
HK$19,230
baseline
▲ 0.50% · 4.625%
HK$20,244
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,460/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,679
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,291
−HK$622/mo
Today · 4.125%
HK$20,913
baseline
▲ 0.50% · 4.625%
HK$22,186
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,826/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,893
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,480
−HK$596/mo
Today · 4.125%
HK$23,076
baseline
▲ 0.50% · 4.625%
HK$24,292
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,152/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,959
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,673
−HK$726/mo
Today · 4.125%
HK$24,399
baseline
▲ 0.50% · 4.625%
HK$25,884
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,798/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,542
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,227
−HK$695/mo
Today · 4.125%
HK$26,922
baseline
▲ 0.50% · 4.625%
HK$28,341
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,844/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,519
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,437
−HK$933/mo
Today · 4.125%
HK$31,370
baseline
▲ 0.50% · 4.625%
HK$33,279
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,740/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,840
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,720
−HK$894/mo
Today · 4.125%
HK$34,614
baseline
▲ 0.50% · 4.625%
HK$36,438
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,228/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,758 · 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).