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$16,433
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,944
−HK$520/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,282
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$497/mo
Today · 4.125%
HK$19,269
baseline
▲ 0.50% · 4.625%
HK$20,285
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,538/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,333
−HK$623/mo
Today · 4.125%
HK$20,956
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,912/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,938
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,526
−HK$597/mo
Today · 4.125%
HK$23,123
baseline
▲ 0.50% · 4.625%
HK$24,342
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,246/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,006
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,722
−HK$727/mo
Today · 4.125%
HK$24,449
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,898/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,594
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,281
−HK$696/mo
Today · 4.125%
HK$26,977
baseline
▲ 0.50% · 4.625%
HK$28,399
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,954/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,580
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,500
−HK$935/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,347
+HK$1,912/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,907
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$895/mo
Today · 4.125%
HK$34,685
baseline
▲ 0.50% · 4.625%
HK$36,513
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,370/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,202 · 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).