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$16,427
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$519/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,274
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,764
−HK$498/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$623/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,223
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,929
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,517
−HK$597/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,332
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,997
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$726/mo
Today · 4.125%
HK$24,439
baseline
▲ 0.50% · 4.625%
HK$25,926
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,878/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,584
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,270
−HK$696/mo
Today · 4.125%
HK$26,966
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,932/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,488
−HK$934/mo
Today · 4.125%
HK$31,422
baseline
▲ 0.50% · 4.625%
HK$33,334
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,844/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,776
−HK$895/mo
Today · 4.125%
HK$34,671
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$1,828/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,342/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,115 · 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).