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$16,430
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,941
−HK$519/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,278
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$498/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,281
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,532/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,716
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,329
−HK$623/mo
Today · 4.125%
HK$20,952
baseline
▲ 0.50% · 4.625%
HK$22,227
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,904/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,522
−HK$597/mo
Today · 4.125%
HK$23,119
baseline
▲ 0.50% · 4.625%
HK$24,337
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,238/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,002
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,717
−HK$727/mo
Today · 4.125%
HK$24,444
baseline
▲ 0.50% · 4.625%
HK$25,932
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,888/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,589
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,276
−HK$696/mo
Today · 4.125%
HK$26,972
baseline
▲ 0.50% · 4.625%
HK$28,394
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,944/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,574
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,494
−HK$934/mo
Today · 4.125%
HK$31,428
baseline
▲ 0.50% · 4.625%
HK$33,341
+HK$1,913/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$62,856/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,901
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,783
−HK$895/mo
Today · 4.125%
HK$34,678
baseline
▲ 0.50% · 4.625%
HK$36,506
+HK$1,828/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$69,356/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,159 · 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).