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$16,415
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$518/mo
Today · 4.125%
HK$17,444
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$1,062/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$215,962 · 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$20,263
+HK$1,015/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$215,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,698
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,311
−HK$622/mo
Today · 4.125%
HK$20,933
baseline
▲ 0.50% · 4.625%
HK$22,207
+HK$1,274/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$215,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,914
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,501
−HK$597/mo
Today · 4.125%
HK$23,098
baseline
▲ 0.50% · 4.625%
HK$24,315
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,196/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,981
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,696
−HK$726/mo
Today · 4.125%
HK$24,422
baseline
▲ 0.50% · 4.625%
HK$25,908
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,844/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,566
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,252
−HK$695/mo
Today · 4.125%
HK$26,947
baseline
▲ 0.50% · 4.625%
HK$28,368
+HK$1,421/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$215,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,547
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,466
−HK$934/mo
Today · 4.125%
HK$31,400
baseline
▲ 0.50% · 4.625%
HK$33,310
+HK$1,910/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,800/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,871
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,752
−HK$895/mo
Today · 4.125%
HK$34,647
baseline
▲ 0.50% · 4.625%
HK$36,473
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,294/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,962 · 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).