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$16,401
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,911
−HK$519/mo
Today · 4.125%
HK$17,430
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,860/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,736
−HK$496/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,246
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,464/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,682
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,294
−HK$622/mo
Today · 4.125%
HK$20,916
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,832/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,896
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,483
−HK$595/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,295
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,156/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,962
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$726/mo
Today · 4.125%
HK$24,402
baseline
▲ 0.50% · 4.625%
HK$25,887
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,804/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,545
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,230
−HK$695/mo
Today · 4.125%
HK$26,925
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,850/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,441
−HK$933/mo
Today · 4.125%
HK$31,374
baseline
▲ 0.50% · 4.625%
HK$33,283
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,748/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,724
−HK$894/mo
Today · 4.125%
HK$34,618
baseline
▲ 0.50% · 4.625%
HK$36,442
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,236/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,783 · 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).