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$16,396
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,906
−HK$518/mo
Today · 4.125%
HK$17,424
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,848/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,241
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,730
−HK$496/mo
Today · 4.125%
HK$19,226
baseline
▲ 0.50% · 4.625%
HK$20,240
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,452/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,676
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$621/mo
Today · 4.125%
HK$20,909
baseline
▲ 0.50% · 4.625%
HK$22,182
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,818/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,889
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,476
−HK$595/mo
Today · 4.125%
HK$23,071
baseline
▲ 0.50% · 4.625%
HK$24,288
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,142/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,955
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,669
−HK$725/mo
Today · 4.125%
HK$24,394
baseline
▲ 0.50% · 4.625%
HK$25,879
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,788/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,537
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,222
−HK$695/mo
Today · 4.125%
HK$26,917
baseline
▲ 0.50% · 4.625%
HK$28,335
+HK$1,418/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$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,513
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,431
−HK$933/mo
Today · 4.125%
HK$31,364
baseline
▲ 0.50% · 4.625%
HK$33,272
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,728/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,717 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,833
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,714
−HK$893/mo
Today · 4.125%
HK$34,607
baseline
▲ 0.50% · 4.625%
HK$36,431
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,214/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,717 · 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).