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$16,405
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$519/mo
Today · 4.125%
HK$17,434
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,868/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,251
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,740
−HK$497/mo
Today · 4.125%
HK$19,237
baseline
▲ 0.50% · 4.625%
HK$20,251
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,474/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,686
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,299
−HK$622/mo
Today · 4.125%
HK$20,921
baseline
▲ 0.50% · 4.625%
HK$22,194
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,842/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,901
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,488
−HK$596/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,301
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,967
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,682
−HK$725/mo
Today · 4.125%
HK$24,407
baseline
▲ 0.50% · 4.625%
HK$25,893
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,814/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,551
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,236
−HK$695/mo
Today · 4.125%
HK$26,931
baseline
▲ 0.50% · 4.625%
HK$28,351
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,862/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,529
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,448
−HK$933/mo
Today · 4.125%
HK$31,381
baseline
▲ 0.50% · 4.625%
HK$33,290
+HK$1,909/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$62,762/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,851
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,732
−HK$894/mo
Today · 4.125%
HK$34,626
baseline
▲ 0.50% · 4.625%
HK$36,451
+HK$1,825/mo
Deposit HK$719K · loan HK$6.47M · min. income ≈ HK$69,252/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,833 · 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).