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$16,417
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,927
−HK$519/mo
Today · 4.125%
HK$17,446
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,892/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,263
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,753
−HK$497/mo
Today · 4.125%
HK$19,250
baseline
▲ 0.50% · 4.625%
HK$20,265
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,500/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,700
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,313
−HK$622/mo
Today · 4.125%
HK$20,935
baseline
▲ 0.50% · 4.625%
HK$22,209
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,870/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,916
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,504
−HK$596/mo
Today · 4.125%
HK$23,100
baseline
▲ 0.50% · 4.625%
HK$24,318
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,200/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,983
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,698
−HK$726/mo
Today · 4.125%
HK$24,424
baseline
▲ 0.50% · 4.625%
HK$25,911
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,848/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,568
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,254
−HK$696/mo
Today · 4.125%
HK$26,950
baseline
▲ 0.50% · 4.625%
HK$28,370
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,900/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,550
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,469
−HK$934/mo
Today · 4.125%
HK$31,403
baseline
▲ 0.50% · 4.625%
HK$33,314
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,806/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,874
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,755
−HK$895/mo
Today · 4.125%
HK$34,650
baseline
▲ 0.50% · 4.625%
HK$36,476
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,300/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,983 · 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).