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$16,413
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$518/mo
Today · 4.125%
HK$17,442
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,884/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,749
−HK$497/mo
Today · 4.125%
HK$19,246
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,492/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,696
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$622/mo
Today · 4.125%
HK$20,931
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,862/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,911
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,499
−HK$596/mo
Today · 4.125%
HK$23,095
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,190/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,978
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,693
−HK$726/mo
Today · 4.125%
HK$24,419
baseline
▲ 0.50% · 4.625%
HK$25,905
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,838/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,563
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,249
−HK$695/mo
Today · 4.125%
HK$26,944
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,888/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,544
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,463
−HK$933/mo
Today · 4.125%
HK$31,396
baseline
▲ 0.50% · 4.625%
HK$33,307
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,792/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,867
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,749
−HK$894/mo
Today · 4.125%
HK$34,643
baseline
▲ 0.50% · 4.625%
HK$36,469
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,286/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,939 · 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).