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$16,423
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,934
−HK$519/mo
Today · 4.125%
HK$17,453
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$1,061/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,906/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,270
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,760
−HK$497/mo
Today · 4.125%
HK$19,257
baseline
▲ 0.50% · 4.625%
HK$20,272
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,514/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,707
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,320
−HK$623/mo
Today · 4.125%
HK$20,943
baseline
▲ 0.50% · 4.625%
HK$22,217
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,886/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,924
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,512
−HK$597/mo
Today · 4.125%
HK$23,109
baseline
▲ 0.50% · 4.625%
HK$24,327
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,218/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,992
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,707
−HK$727/mo
Today · 4.125%
HK$24,434
baseline
▲ 0.50% · 4.625%
HK$25,920
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,868/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,578
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,264
−HK$696/mo
Today · 4.125%
HK$26,960
baseline
▲ 0.50% · 4.625%
HK$28,381
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,920/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,561
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,480
−HK$935/mo
Today · 4.125%
HK$31,415
baseline
▲ 0.50% · 4.625%
HK$33,326
+HK$1,911/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,830/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,886
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,768
−HK$895/mo
Today · 4.125%
HK$34,663
baseline
▲ 0.50% · 4.625%
HK$36,490
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,326/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,064 · 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).