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$16,419
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,929
−HK$519/mo
Today · 4.125%
HK$17,448
baseline
▲ 0.50% · 4.625%
HK$18,510
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,896/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,266
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,755
−HK$497/mo
Today · 4.125%
HK$19,252
baseline
▲ 0.50% · 4.625%
HK$20,267
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,504/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,702
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,315
−HK$623/mo
Today · 4.125%
HK$20,938
baseline
▲ 0.50% · 4.625%
HK$22,212
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,876/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,919
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,507
−HK$596/mo
Today · 4.125%
HK$23,103
baseline
▲ 0.50% · 4.625%
HK$24,321
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,206/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,986
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,701
−HK$727/mo
Today · 4.125%
HK$24,428
baseline
▲ 0.50% · 4.625%
HK$25,914
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,856/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,572
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,258
−HK$695/mo
Today · 4.125%
HK$26,953
baseline
▲ 0.50% · 4.625%
HK$28,374
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,906/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,554
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,473
−HK$934/mo
Today · 4.125%
HK$31,407
baseline
▲ 0.50% · 4.625%
HK$33,318
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,814/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,878
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,760
−HK$894/mo
Today · 4.125%
HK$34,654
baseline
▲ 0.50% · 4.625%
HK$36,481
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,308/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,011 · 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).