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$16,434
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$520/mo
Today · 4.125%
HK$17,465
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,930/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,283
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,773
−HK$498/mo
Today · 4.125%
HK$19,271
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,542/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,721
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$624/mo
Today · 4.125%
HK$20,958
baseline
▲ 0.50% · 4.625%
HK$22,233
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,916/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,528
−HK$597/mo
Today · 4.125%
HK$23,125
baseline
▲ 0.50% · 4.625%
HK$24,344
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,250/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,008
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$728/mo
Today · 4.125%
HK$24,451
baseline
▲ 0.50% · 4.625%
HK$25,938
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,902/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,596
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,282
−HK$697/mo
Today · 4.125%
HK$26,979
baseline
▲ 0.50% · 4.625%
HK$28,401
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,958/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,581
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,502
−HK$934/mo
Today · 4.125%
HK$31,436
baseline
▲ 0.50% · 4.625%
HK$33,349
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,872/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,909
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,792
−HK$895/mo
Today · 4.125%
HK$34,687
baseline
▲ 0.50% · 4.625%
HK$36,515
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,374/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,215 · 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).