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$16,425
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,936
−HK$519/mo
Today · 4.125%
HK$17,455
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,910/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,273
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,763
−HK$497/mo
Today · 4.125%
HK$19,260
baseline
▲ 0.50% · 4.625%
HK$20,276
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,520/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,710
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,324
−HK$622/mo
Today · 4.125%
HK$20,946
baseline
▲ 0.50% · 4.625%
HK$22,221
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,892/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,928
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,516
−HK$596/mo
Today · 4.125%
HK$23,112
baseline
▲ 0.50% · 4.625%
HK$24,331
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,224/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,996
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,711
−HK$727/mo
Today · 4.125%
HK$24,438
baseline
▲ 0.50% · 4.625%
HK$25,925
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,876/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,582
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,268
−HK$696/mo
Today · 4.125%
HK$26,964
baseline
▲ 0.50% · 4.625%
HK$28,386
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,928/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,566
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,485
−HK$935/mo
Today · 4.125%
HK$31,420
baseline
▲ 0.50% · 4.625%
HK$33,332
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,840/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,892
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,774
−HK$895/mo
Today · 4.125%
HK$34,669
baseline
▲ 0.50% · 4.625%
HK$36,496
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,338/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,100 · 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).