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$16,406
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,916
−HK$519/mo
Today · 4.125%
HK$17,435
baseline
▲ 0.50% · 4.625%
HK$18,496
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,870/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,252
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,741
−HK$497/mo
Today · 4.125%
HK$19,238
baseline
▲ 0.50% · 4.625%
HK$20,252
+HK$1,014/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$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,687
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,300
−HK$622/mo
Today · 4.125%
HK$20,922
baseline
▲ 0.50% · 4.625%
HK$22,195
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,844/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,902
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,489
−HK$596/mo
Today · 4.125%
HK$23,085
baseline
▲ 0.50% · 4.625%
HK$24,302
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,170/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,968
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,683
−HK$726/mo
Today · 4.125%
HK$24,409
baseline
▲ 0.50% · 4.625%
HK$25,894
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,818/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,552
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,238
−HK$695/mo
Today · 4.125%
HK$26,933
baseline
▲ 0.50% · 4.625%
HK$28,352
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,866/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,531
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,449
−HK$934/mo
Today · 4.125%
HK$31,383
baseline
▲ 0.50% · 4.625%
HK$33,292
+HK$1,909/mo
Deposit HK$719K · loan HK$6.48M · min. income ≈ HK$62,766/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,845 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,853
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,734
−HK$894/mo
Today · 4.125%
HK$34,628
baseline
▲ 0.50% · 4.625%
HK$36,453
+HK$1,825/mo
Deposit HK$719K · loan HK$6.48M · min. income ≈ HK$69,256/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,845 · 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).