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$16,408
−HK$1,029/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$519/mo
Today · 4.125%
HK$17,437
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,874/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,254
−HK$986/mo
▼ 0.25% · 3.875%
HK$18,743
−HK$497/mo
Today · 4.125%
HK$19,240
baseline
▲ 0.50% · 4.625%
HK$20,254
+HK$1,014/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,480/mo (50% DSR)
Upfront cash ≈ HK$3.81M (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,690
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$20,302
−HK$622/mo
Today · 4.125%
HK$20,924
baseline
▲ 0.50% · 4.625%
HK$22,198
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,848/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,905
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$22,492
−HK$596/mo
Today · 4.125%
HK$23,088
baseline
▲ 0.50% · 4.625%
HK$24,305
+HK$1,217/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,176/mo (50% DSR)
Upfront cash ≈ HK$3.09M (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,971
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,686
−HK$726/mo
Today · 4.125%
HK$24,412
baseline
▲ 0.50% · 4.625%
HK$25,897
+HK$1,485/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,824/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,555
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,241
−HK$695/mo
Today · 4.125%
HK$26,936
baseline
▲ 0.50% · 4.625%
HK$28,356
+HK$1,420/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,872/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,534
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,453
−HK$934/mo
Today · 4.125%
HK$31,387
baseline
▲ 0.50% · 4.625%
HK$33,296
+HK$1,909/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,774/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,857
−HK$1,775/mo
▼ 0.25% · 3.875%
HK$33,738
−HK$894/mo
Today · 4.125%
HK$34,632
baseline
▲ 0.50% · 4.625%
HK$36,457
+HK$1,825/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,264/mo (50% DSR)
Upfront cash ≈ HK$935K (deposit + AVD stamp duty HK$215,872 · 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).