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$16,414
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,924
−HK$519/mo
Today · 4.125%
HK$17,443
baseline
▲ 0.50% · 4.625%
HK$18,504
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,886/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,260
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,750
−HK$497/mo
Today · 4.125%
HK$19,247
baseline
▲ 0.50% · 4.625%
HK$20,261
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,494/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,696
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,309
−HK$623/mo
Today · 4.125%
HK$20,932
baseline
▲ 0.50% · 4.625%
HK$22,205
+HK$1,273/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,864/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,912
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,500
−HK$596/mo
Today · 4.125%
HK$23,096
baseline
▲ 0.50% · 4.625%
HK$24,313
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,192/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,979
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,694
−HK$726/mo
Today · 4.125%
HK$24,420
baseline
▲ 0.50% · 4.625%
HK$25,906
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,840/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,564
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,250
−HK$695/mo
Today · 4.125%
HK$26,945
baseline
▲ 0.50% · 4.625%
HK$28,365
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,890/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,545
−HK$1,852/mo
▼ 0.25% · 3.875%
HK$30,464
−HK$933/mo
Today · 4.125%
HK$31,397
baseline
▲ 0.50% · 4.625%
HK$33,308
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,794/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,868
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,750
−HK$894/mo
Today · 4.125%
HK$34,644
baseline
▲ 0.50% · 4.625%
HK$36,470
+HK$1,826/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,288/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$215,945 · 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).