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$16,418
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,928
−HK$519/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,509
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,894/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,264
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,754
−HK$497/mo
Today · 4.125%
HK$19,251
baseline
▲ 0.50% · 4.625%
HK$20,266
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,502/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,701
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,314
−HK$623/mo
Today · 4.125%
HK$20,937
baseline
▲ 0.50% · 4.625%
HK$22,211
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,874/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,917
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,505
−HK$597/mo
Today · 4.125%
HK$23,102
baseline
▲ 0.50% · 4.625%
HK$24,319
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,204/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,985
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,700
−HK$726/mo
Today · 4.125%
HK$24,426
baseline
▲ 0.50% · 4.625%
HK$25,912
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,852/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,570
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,256
−HK$696/mo
Today · 4.125%
HK$26,952
baseline
▲ 0.50% · 4.625%
HK$28,372
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,904/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,552
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,471
−HK$934/mo
Today · 4.125%
HK$31,405
baseline
▲ 0.50% · 4.625%
HK$33,316
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,810/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,876
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,758
−HK$894/mo
Today · 4.125%
HK$34,652
baseline
▲ 0.50% · 4.625%
HK$36,479
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,304/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,998 · 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).