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$1,028/mo
▼ 0.25% · 3.875%
HK$16,911
−HK$518/mo
Today · 4.125%
HK$17,429
baseline
▲ 0.50% · 4.625%
HK$18,490
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,858/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,246
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,735
−HK$497/mo
Today · 4.125%
HK$19,232
baseline
▲ 0.50% · 4.625%
HK$20,245
+HK$1,013/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$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,681
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,293
−HK$622/mo
Today · 4.125%
HK$20,915
baseline
▲ 0.50% · 4.625%
HK$22,188
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,830/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,895
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,482
−HK$596/mo
Today · 4.125%
HK$23,078
baseline
▲ 0.50% · 4.625%
HK$24,294
+HK$1,216/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$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,961
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,676
−HK$725/mo
Today · 4.125%
HK$24,401
baseline
▲ 0.50% · 4.625%
HK$25,886
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,802/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,544
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,229
−HK$695/mo
Today · 4.125%
HK$26,924
baseline
▲ 0.50% · 4.625%
HK$28,344
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$53,848/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,522
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,440
−HK$933/mo
Today · 4.125%
HK$31,373
baseline
▲ 0.50% · 4.625%
HK$33,282
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,746/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,843
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,723
−HK$894/mo
Today · 4.125%
HK$34,617
baseline
▲ 0.50% · 4.625%
HK$36,442
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,234/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,778 · 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).