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$16,428
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$519/mo
Today · 4.125%
HK$17,458
baseline
▲ 0.50% · 4.625%
HK$18,521
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,916/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,276
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,766
−HK$498/mo
Today · 4.125%
HK$19,264
baseline
▲ 0.50% · 4.625%
HK$20,279
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,528/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,714
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,327
−HK$623/mo
Today · 4.125%
HK$20,950
baseline
▲ 0.50% · 4.625%
HK$22,225
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,900/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,931
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,520
−HK$596/mo
Today · 4.125%
HK$23,116
baseline
▲ 0.50% · 4.625%
HK$24,335
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,232/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,999
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,715
−HK$727/mo
Today · 4.125%
HK$24,442
baseline
▲ 0.50% · 4.625%
HK$25,929
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,884/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,587
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,273
−HK$696/mo
Today · 4.125%
HK$26,969
baseline
▲ 0.50% · 4.625%
HK$28,391
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,938/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,571
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,491
−HK$934/mo
Today · 4.125%
HK$31,425
baseline
▲ 0.50% · 4.625%
HK$33,337
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,850/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,897
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,779
−HK$895/mo
Today · 4.125%
HK$34,674
baseline
▲ 0.50% · 4.625%
HK$36,502
+HK$1,828/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,348/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,136 · 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).