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$16,398
−HK$1,028/mo
▼ 0.25% · 3.875%
HK$16,908
−HK$518/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,852/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,243
−HK$985/mo
▼ 0.25% · 3.875%
HK$18,732
−HK$496/mo
Today · 4.125%
HK$19,228
baseline
▲ 0.50% · 4.625%
HK$20,242
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,456/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,739 · 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$22,184
+HK$1,272/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$215,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,891
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,478
−HK$596/mo
Today · 4.125%
HK$23,074
baseline
▲ 0.50% · 4.625%
HK$24,290
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,148/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,957
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,671
−HK$726/mo
Today · 4.125%
HK$24,397
baseline
▲ 0.50% · 4.625%
HK$25,881
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,794/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,540
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,225
−HK$694/mo
Today · 4.125%
HK$26,919
baseline
▲ 0.50% · 4.625%
HK$28,338
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,838/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,516
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,434
−HK$933/mo
Today · 4.125%
HK$31,367
baseline
▲ 0.50% · 4.625%
HK$33,276
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,734/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,837
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,717
−HK$894/mo
Today · 4.125%
HK$34,611
baseline
▲ 0.50% · 4.625%
HK$36,435
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,222/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,739 · 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).