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$1,028/mo
▼ 0.25% · 3.875%
HK$16,914
−HK$518/mo
Today · 4.125%
HK$17,432
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,864/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,249
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,738
−HK$497/mo
Today · 4.125%
HK$19,235
baseline
▲ 0.50% · 4.625%
HK$20,249
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,470/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,684
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,297
−HK$622/mo
Today · 4.125%
HK$20,919
baseline
▲ 0.50% · 4.625%
HK$22,191
+HK$1,272/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,838/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,899
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,486
−HK$596/mo
Today · 4.125%
HK$23,082
baseline
▲ 0.50% · 4.625%
HK$24,298
+HK$1,216/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,164/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,965
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,679
−HK$726/mo
Today · 4.125%
HK$24,405
baseline
▲ 0.50% · 4.625%
HK$25,890
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,810/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,548
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,234
−HK$695/mo
Today · 4.125%
HK$26,929
baseline
▲ 0.50% · 4.625%
HK$28,348
+HK$1,419/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,858/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,526
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,445
−HK$933/mo
Today · 4.125%
HK$31,378
baseline
▲ 0.50% · 4.625%
HK$33,287
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,756/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,848
−HK$1,774/mo
▼ 0.25% · 3.875%
HK$33,729
−HK$893/mo
Today · 4.125%
HK$34,622
baseline
▲ 0.50% · 4.625%
HK$36,447
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,244/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,812 · 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).