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$16,422
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,933
−HK$519/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$497/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,706
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$623/mo
Today · 4.125%
HK$20,942
baseline
▲ 0.50% · 4.625%
HK$22,216
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,884/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,923
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,511
−HK$596/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,325
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,991
−HK$1,441/mo
▼ 0.25% · 3.875%
HK$23,706
−HK$726/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,919
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,577
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,263
−HK$696/mo
Today · 4.125%
HK$26,959
baseline
▲ 0.50% · 4.625%
HK$28,380
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,918/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,479
−HK$934/mo
Today · 4.125%
HK$31,413
baseline
▲ 0.50% · 4.625%
HK$33,324
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,826/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,885
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$895/mo
Today · 4.125%
HK$34,661
baseline
▲ 0.50% · 4.625%
HK$36,488
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,322/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,054 · 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).