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$16,409
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,919
−HK$519/mo
Today · 4.125%
HK$17,438
baseline
▲ 0.50% · 4.625%
HK$18,499
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,876/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,255
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,744
−HK$497/mo
Today · 4.125%
HK$19,241
baseline
▲ 0.50% · 4.625%
HK$20,255
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,482/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,691
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,303
−HK$622/mo
Today · 4.125%
HK$20,925
baseline
▲ 0.50% · 4.625%
HK$22,199
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,850/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,906
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,493
−HK$596/mo
Today · 4.125%
HK$23,089
baseline
▲ 0.50% · 4.625%
HK$24,306
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,178/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,972
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,687
−HK$726/mo
Today · 4.125%
HK$24,413
baseline
▲ 0.50% · 4.625%
HK$25,899
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,826/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,557
−HK$1,380/mo
▼ 0.25% · 3.875%
HK$26,242
−HK$695/mo
Today · 4.125%
HK$26,937
baseline
▲ 0.50% · 4.625%
HK$28,357
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,874/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,536
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,455
−HK$933/mo
Today · 4.125%
HK$31,388
baseline
▲ 0.50% · 4.625%
HK$33,298
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,776/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,859
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,740
−HK$894/mo
Today · 4.125%
HK$34,634
baseline
▲ 0.50% · 4.625%
HK$36,459
+HK$1,825/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,268/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,883 · 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).