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$1,028/mo
▼ 0.25% · 3.875%
HK$16,909
−HK$518/mo
Today · 4.125%
HK$17,427
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,854/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,733
−HK$496/mo
Today · 4.125%
HK$19,229
baseline
▲ 0.50% · 4.625%
HK$20,243
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,458/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,678
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,290
−HK$622/mo
Today · 4.125%
HK$20,912
baseline
▲ 0.50% · 4.625%
HK$22,185
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,824/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,892
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,479
−HK$596/mo
Today · 4.125%
HK$23,075
baseline
▲ 0.50% · 4.625%
HK$24,291
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,150/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,958
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,672
−HK$726/mo
Today · 4.125%
HK$24,398
baseline
▲ 0.50% · 4.625%
HK$25,882
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,796/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,541
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,226
−HK$695/mo
Today · 4.125%
HK$26,921
baseline
▲ 0.50% · 4.625%
HK$28,340
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,842/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,518
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,436
−HK$933/mo
Today · 4.125%
HK$31,369
baseline
▲ 0.50% · 4.625%
HK$33,277
+HK$1,908/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,738/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,838
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,719
−HK$893/mo
Today · 4.125%
HK$34,612
baseline
▲ 0.50% · 4.625%
HK$36,437
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,224/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,748 · 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).