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$16,441
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$520/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,290
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$497/mo
Today · 4.125%
HK$19,278
baseline
▲ 0.50% · 4.625%
HK$20,294
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,556/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,729
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,342
−HK$624/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,242
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,948
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$597/mo
Today · 4.125%
HK$23,134
baseline
▲ 0.50% · 4.625%
HK$24,353
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,268/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,017
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$727/mo
Today · 4.125%
HK$24,460
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,920/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,606
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$696/mo
Today · 4.125%
HK$26,989
baseline
▲ 0.50% · 4.625%
HK$28,412
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,978/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,593
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$935/mo
Today · 4.125%
HK$31,449
baseline
▲ 0.50% · 4.625%
HK$33,362
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,898/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,922
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,805
−HK$896/mo
Today · 4.125%
HK$34,701
baseline
▲ 0.50% · 4.625%
HK$36,530
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,402/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,300 · 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).