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$16,411
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,922
−HK$518/mo
Today · 4.125%
HK$17,440
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,880/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,257
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,747
−HK$497/mo
Today · 4.125%
HK$19,244
baseline
▲ 0.50% · 4.625%
HK$20,258
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,488/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,693
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,306
−HK$622/mo
Today · 4.125%
HK$20,928
baseline
▲ 0.50% · 4.625%
HK$22,202
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,856/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,909
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,496
−HK$596/mo
Today · 4.125%
HK$23,092
baseline
▲ 0.50% · 4.625%
HK$24,310
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,184/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,976
−HK$1,440/mo
▼ 0.25% · 3.875%
HK$23,690
−HK$726/mo
Today · 4.125%
HK$24,416
baseline
▲ 0.50% · 4.625%
HK$25,902
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,832/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,560
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,246
−HK$695/mo
Today · 4.125%
HK$26,941
baseline
▲ 0.50% · 4.625%
HK$28,361
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,882/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,540
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,459
−HK$933/mo
Today · 4.125%
HK$31,392
baseline
▲ 0.50% · 4.625%
HK$33,303
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,784/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,863
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,744
−HK$895/mo
Today · 4.125%
HK$34,639
baseline
▲ 0.50% · 4.625%
HK$36,464
+HK$1,825/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,278/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,912 · 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).