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$16,429
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,940
−HK$519/mo
Today · 4.125%
HK$17,459
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,918/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,277
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,767
−HK$498/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,280
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$623/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,521
−HK$597/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$727/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,930
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,274
−HK$697/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,392
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,572
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,492
−HK$935/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,899
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,781
−HK$895/mo
Today · 4.125%
HK$34,676
baseline
▲ 0.50% · 4.625%
HK$36,504
+HK$1,828/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,352/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,148 · 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).