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$16,425
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$520/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,272
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,762
−HK$497/mo
Today · 4.125%
HK$19,259
baseline
▲ 0.50% · 4.625%
HK$20,275
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,518/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,709
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,323
−HK$622/mo
Today · 4.125%
HK$20,945
baseline
▲ 0.50% · 4.625%
HK$22,220
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,890/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,927
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,515
−HK$596/mo
Today · 4.125%
HK$23,111
baseline
▲ 0.50% · 4.625%
HK$24,329
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,222/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,994
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,710
−HK$726/mo
Today · 4.125%
HK$24,436
baseline
▲ 0.50% · 4.625%
HK$25,923
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,872/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,581
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,267
−HK$696/mo
Today · 4.125%
HK$26,963
baseline
▲ 0.50% · 4.625%
HK$28,384
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,926/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,564
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,484
−HK$934/mo
Today · 4.125%
HK$31,418
baseline
▲ 0.50% · 4.625%
HK$33,330
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,836/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,890
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,772
−HK$895/mo
Today · 4.125%
HK$34,667
baseline
▲ 0.50% · 4.625%
HK$36,494
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,334/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,089 · 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).