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$16,410
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,920
−HK$519/mo
Today · 4.125%
HK$17,439
baseline
▲ 0.50% · 4.625%
HK$18,500
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,878/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,255
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,745
−HK$497/mo
Today · 4.125%
HK$19,242
baseline
▲ 0.50% · 4.625%
HK$20,256
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,484/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,304
−HK$622/mo
Today · 4.125%
HK$20,926
baseline
▲ 0.50% · 4.625%
HK$22,200
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,852/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,907
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,494
−HK$596/mo
Today · 4.125%
HK$23,090
baseline
▲ 0.50% · 4.625%
HK$24,307
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,180/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,973
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,688
−HK$726/mo
Today · 4.125%
HK$24,414
baseline
▲ 0.50% · 4.625%
HK$25,900
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,828/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,558
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,243
−HK$695/mo
Today · 4.125%
HK$26,938
baseline
▲ 0.50% · 4.625%
HK$28,358
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,876/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,537
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,456
−HK$933/mo
Today · 4.125%
HK$31,389
baseline
▲ 0.50% · 4.625%
HK$33,299
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,778/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,860
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,741
−HK$894/mo
Today · 4.125%
HK$34,635
baseline
▲ 0.50% · 4.625%
HK$36,461
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,270/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,891 · 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).