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$16,439
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,950
−HK$520/mo
Today · 4.125%
HK$17,470
baseline
▲ 0.50% · 4.625%
HK$18,532
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,940/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,288
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,778
−HK$498/mo
Today · 4.125%
HK$19,276
baseline
▲ 0.50% · 4.625%
HK$20,292
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,552/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,726
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,340
−HK$623/mo
Today · 4.125%
HK$20,963
baseline
▲ 0.50% · 4.625%
HK$22,239
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,926/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,945
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,534
−HK$597/mo
Today · 4.125%
HK$23,131
baseline
▲ 0.50% · 4.625%
HK$24,350
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,262/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,014
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,730
−HK$727/mo
Today · 4.125%
HK$24,457
baseline
▲ 0.50% · 4.625%
HK$25,945
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,914/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,603
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,290
−HK$696/mo
Today · 4.125%
HK$26,986
baseline
▲ 0.50% · 4.625%
HK$28,409
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,972/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,590
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,510
−HK$935/mo
Today · 4.125%
HK$31,445
baseline
▲ 0.50% · 4.625%
HK$33,358
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,890/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,918
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,801
−HK$896/mo
Today · 4.125%
HK$34,697
baseline
▲ 0.50% · 4.625%
HK$36,526
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,394/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,274 · 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).