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$16,397
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$518/mo
Today · 4.125%
HK$17,425
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,850/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,242
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,731
−HK$496/mo
Today · 4.125%
HK$19,227
baseline
▲ 0.50% · 4.625%
HK$20,241
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,454/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,676
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,288
−HK$622/mo
Today · 4.125%
HK$20,910
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,820/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,890
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$595/mo
Today · 4.125%
HK$23,072
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,144/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,439/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$725/mo
Today · 4.125%
HK$24,395
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,790/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,538
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,223
−HK$695/mo
Today · 4.125%
HK$26,918
baseline
▲ 0.50% · 4.625%
HK$28,337
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,836/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,515
−HK$1,850/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$932/mo
Today · 4.125%
HK$31,365
baseline
▲ 0.50% · 4.625%
HK$33,274
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,730/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,715
−HK$894/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,433
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,218/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,726 · 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).