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$16,437
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$520/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,286
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$498/mo
Today · 4.125%
HK$19,274
baseline
▲ 0.50% · 4.625%
HK$20,290
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,548/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,338
−HK$623/mo
Today · 4.125%
HK$20,961
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,922/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,943
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$597/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,348
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,012
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,727
−HK$728/mo
Today · 4.125%
HK$24,455
baseline
▲ 0.50% · 4.625%
HK$25,943
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,910/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,600
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,287
−HK$696/mo
Today · 4.125%
HK$26,983
baseline
▲ 0.50% · 4.625%
HK$28,406
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,966/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,586
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,507
−HK$935/mo
Today · 4.125%
HK$31,442
baseline
▲ 0.50% · 4.625%
HK$33,355
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,884/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,251 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,915
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,797
−HK$896/mo
Today · 4.125%
HK$34,693
baseline
▲ 0.50% · 4.625%
HK$36,522
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,386/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,251 · 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).