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$16,407
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$519/mo
Today · 4.125%
HK$17,436
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,872/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,742
−HK$496/mo
Today · 4.125%
HK$19,238
baseline
▲ 0.50% · 4.625%
HK$20,253
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,476/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,688
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,301
−HK$622/mo
Today · 4.125%
HK$20,923
baseline
▲ 0.50% · 4.625%
HK$22,196
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,846/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,903
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,490
−HK$596/mo
Today · 4.125%
HK$23,086
baseline
▲ 0.50% · 4.625%
HK$24,303
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,172/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,969
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,684
−HK$726/mo
Today · 4.125%
HK$24,410
baseline
▲ 0.50% · 4.625%
HK$25,895
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,820/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,553
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,239
−HK$695/mo
Today · 4.125%
HK$26,934
baseline
▲ 0.50% · 4.625%
HK$28,354
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,868/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,532
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,451
−HK$933/mo
Today · 4.125%
HK$31,384
baseline
▲ 0.50% · 4.625%
HK$33,294
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,768/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,854
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,735
−HK$894/mo
Today · 4.125%
HK$34,629
baseline
▲ 0.50% · 4.625%
HK$36,455
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,258/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,855 · 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).