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$16,432
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$519/mo
Today · 4.125%
HK$17,462
baseline
▲ 0.50% · 4.625%
HK$18,524
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,924/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,280
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,770
−HK$498/mo
Today · 4.125%
HK$19,268
baseline
▲ 0.50% · 4.625%
HK$20,283
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,536/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,718
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,331
−HK$623/mo
Today · 4.125%
HK$20,954
baseline
▲ 0.50% · 4.625%
HK$22,229
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,908/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,936
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,524
−HK$597/mo
Today · 4.125%
HK$23,121
baseline
▲ 0.50% · 4.625%
HK$24,340
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,242/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,004
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,720
−HK$727/mo
Today · 4.125%
HK$24,447
baseline
▲ 0.50% · 4.625%
HK$25,934
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,894/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,592
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,278
−HK$697/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,396
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,577
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,497
−HK$934/mo
Today · 4.125%
HK$31,431
baseline
▲ 0.50% · 4.625%
HK$33,344
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,862/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,904
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,786
−HK$896/mo
Today · 4.125%
HK$34,682
baseline
▲ 0.50% · 4.625%
HK$36,510
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,364/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,181 · 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).