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$1,029/mo
▼ 0.25% · 3.875%
HK$16,907
−HK$519/mo
Today · 4.125%
HK$17,426
baseline
▲ 0.50% · 4.625%
HK$18,486
+HK$1,060/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$215,730 · 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$215,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,677
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,289
−HK$622/mo
Today · 4.125%
HK$20,911
baseline
▲ 0.50% · 4.625%
HK$22,183
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$41,822/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,890
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,477
−HK$596/mo
Today · 4.125%
HK$23,073
baseline
▲ 0.50% · 4.625%
HK$24,289
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.31M · min. income ≈ HK$46,146/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,956
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,670
−HK$726/mo
Today · 4.125%
HK$24,396
baseline
▲ 0.50% · 4.625%
HK$25,880
+HK$1,484/mo
Deposit HK$2.16M · loan HK$5.03M · min. income ≈ HK$48,792/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,539
−HK$1,379/mo
▼ 0.25% · 3.875%
HK$26,224
−HK$694/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$215,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,515
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,433
−HK$933/mo
Today · 4.125%
HK$31,366
baseline
▲ 0.50% · 4.625%
HK$33,275
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,732/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,835
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,716
−HK$893/mo
Today · 4.125%
HK$34,609
baseline
▲ 0.50% · 4.625%
HK$36,434
+HK$1,825/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$215,730 · 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).