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$16,412
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$519/mo
Today · 4.125%
HK$17,441
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,882/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,258
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$497/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,259
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,694
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$623/mo
Today · 4.125%
HK$20,929
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,858/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,497
−HK$596/mo
Today · 4.125%
HK$23,093
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,186/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,976
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,691
−HK$726/mo
Today · 4.125%
HK$24,417
baseline
▲ 0.50% · 4.625%
HK$25,903
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,834/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,561
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$696/mo
Today · 4.125%
HK$26,942
baseline
▲ 0.50% · 4.625%
HK$28,362
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,884/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,541
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,460
−HK$933/mo
Today · 4.125%
HK$31,393
baseline
▲ 0.50% · 4.625%
HK$33,304
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,786/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,918 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,864
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,745
−HK$894/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,465
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,918 · 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).