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$16,402
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,912
−HK$519/mo
Today · 4.125%
HK$17,431
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$1,060/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,862/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,247
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,737
−HK$496/mo
Today · 4.125%
HK$19,233
baseline
▲ 0.50% · 4.625%
HK$20,247
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,466/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,683
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,295
−HK$622/mo
Today · 4.125%
HK$20,917
baseline
▲ 0.50% · 4.625%
HK$22,190
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,834/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,897
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,484
−HK$596/mo
Today · 4.125%
HK$23,080
baseline
▲ 0.50% · 4.625%
HK$24,296
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,160/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,963
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,677
−HK$726/mo
Today · 4.125%
HK$24,403
baseline
▲ 0.50% · 4.625%
HK$25,888
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,806/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,546
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,231
−HK$695/mo
Today · 4.125%
HK$26,926
baseline
▲ 0.50% · 4.625%
HK$28,346
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,852/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,524
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,442
−HK$933/mo
Today · 4.125%
HK$31,375
baseline
▲ 0.50% · 4.625%
HK$33,284
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,750/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,845
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,726
−HK$894/mo
Today · 4.125%
HK$34,620
baseline
▲ 0.50% · 4.625%
HK$36,444
+HK$1,824/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,240/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,794 · 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).