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$16,414
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,925
−HK$519/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,888/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,261
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,751
−HK$497/mo
Today · 4.125%
HK$19,248
baseline
▲ 0.50% · 4.625%
HK$20,262
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,496/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,697
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,310
−HK$623/mo
Today · 4.125%
HK$20,933
baseline
▲ 0.50% · 4.625%
HK$22,206
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,866/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,913
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$596/mo
Today · 4.125%
HK$23,097
baseline
▲ 0.50% · 4.625%
HK$24,314
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,194/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,980
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,695
−HK$726/mo
Today · 4.125%
HK$24,421
baseline
▲ 0.50% · 4.625%
HK$25,907
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,842/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,565
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,251
−HK$696/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,367
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,894/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,546
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,465
−HK$934/mo
Today · 4.125%
HK$31,399
baseline
▲ 0.50% · 4.625%
HK$33,309
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,798/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,870
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,751
−HK$895/mo
Today · 4.125%
HK$34,646
baseline
▲ 0.50% · 4.625%
HK$36,472
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,292/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,956 · 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).