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$16,424
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,935
−HK$519/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,516
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,271
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,761
−HK$497/mo
Today · 4.125%
HK$19,258
baseline
▲ 0.50% · 4.625%
HK$20,273
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,516/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,708
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,321
−HK$623/mo
Today · 4.125%
HK$20,944
baseline
▲ 0.50% · 4.625%
HK$22,219
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,888/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,925
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,513
−HK$597/mo
Today · 4.125%
HK$23,110
baseline
▲ 0.50% · 4.625%
HK$24,328
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,220/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,993
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,708
−HK$727/mo
Today · 4.125%
HK$24,435
baseline
▲ 0.50% · 4.625%
HK$25,922
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,870/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,580
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,266
−HK$696/mo
Today · 4.125%
HK$26,962
baseline
▲ 0.50% · 4.625%
HK$28,383
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,924/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,563
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,482
−HK$934/mo
Today · 4.125%
HK$31,416
baseline
▲ 0.50% · 4.625%
HK$33,328
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,832/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,888
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,770
−HK$895/mo
Today · 4.125%
HK$34,665
baseline
▲ 0.50% · 4.625%
HK$36,492
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,330/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,077 · 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).