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$16,395
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,905
−HK$519/mo
Today · 4.125%
HK$17,424
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$1,060/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$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,240
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,729
−HK$496/mo
Today · 4.125%
HK$19,225
baseline
▲ 0.50% · 4.625%
HK$20,239
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,450/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,675
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$20,286
−HK$622/mo
Today · 4.125%
HK$20,908
baseline
▲ 0.50% · 4.625%
HK$22,180
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,816/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,888
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,475
−HK$595/mo
Today · 4.125%
HK$23,070
baseline
▲ 0.50% · 4.625%
HK$24,286
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,140/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,954
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,668
−HK$725/mo
Today · 4.125%
HK$24,393
baseline
▲ 0.50% · 4.625%
HK$25,877
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,786/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,536
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,220
−HK$695/mo
Today · 4.125%
HK$26,915
baseline
▲ 0.50% · 4.625%
HK$28,334
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,830/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,512
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,430
−HK$932/mo
Today · 4.125%
HK$31,362
baseline
▲ 0.50% · 4.625%
HK$33,271
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,724/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,832
−HK$1,773/mo
▼ 0.25% · 3.875%
HK$33,712
−HK$893/mo
Today · 4.125%
HK$34,605
baseline
▲ 0.50% · 4.625%
HK$36,429
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,210/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,705 · 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).