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$16,404
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$518/mo
Today · 4.125%
HK$17,433
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,866/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,250
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,739
−HK$497/mo
Today · 4.125%
HK$19,236
baseline
▲ 0.50% · 4.625%
HK$20,250
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,472/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,685
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,298
−HK$622/mo
Today · 4.125%
HK$20,920
baseline
▲ 0.50% · 4.625%
HK$22,193
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,840/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,900
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,487
−HK$596/mo
Today · 4.125%
HK$23,083
baseline
▲ 0.50% · 4.625%
HK$24,299
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,166/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,966
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,680
−HK$726/mo
Today · 4.125%
HK$24,406
baseline
▲ 0.50% · 4.625%
HK$25,891
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,812/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,550
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,235
−HK$695/mo
Today · 4.125%
HK$26,930
baseline
▲ 0.50% · 4.625%
HK$28,349
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,860/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,528
−HK$1,851/mo
▼ 0.25% · 3.875%
HK$30,446
−HK$933/mo
Today · 4.125%
HK$31,379
baseline
▲ 0.50% · 4.625%
HK$33,289
+HK$1,910/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,758/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,849
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,730
−HK$894/mo
Today · 4.125%
HK$34,624
baseline
▲ 0.50% · 4.625%
HK$36,449
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,248/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,823 · 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).