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$16,435
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$519/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,284
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$497/mo
Today · 4.125%
HK$19,272
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,544/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$623/mo
Today · 4.125%
HK$20,959
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,918/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,941
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$597/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,725
−HK$728/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,940
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,598
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,284
−HK$697/mo
Today · 4.125%
HK$26,981
baseline
▲ 0.50% · 4.625%
HK$28,403
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,962/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,504
−HK$935/mo
Today · 4.125%
HK$31,439
baseline
▲ 0.50% · 4.625%
HK$33,352
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,878/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,794
−HK$896/mo
Today · 4.125%
HK$34,690
baseline
▲ 0.50% · 4.625%
HK$36,518
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,380/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,232 · 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).