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$16,421
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$519/mo
Today · 4.125%
HK$17,451
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,902/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,268
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,758
−HK$497/mo
Today · 4.125%
HK$19,255
baseline
▲ 0.50% · 4.625%
HK$20,270
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,510/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,705
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,318
−HK$623/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,215
+HK$1,274/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,882/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,922
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$596/mo
Today · 4.125%
HK$23,106
baseline
▲ 0.50% · 4.625%
HK$24,324
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,212/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,989
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$726/mo
Today · 4.125%
HK$24,431
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,862/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,381/mo
▼ 0.25% · 3.875%
HK$26,261
−HK$696/mo
Today · 4.125%
HK$26,957
baseline
▲ 0.50% · 4.625%
HK$28,378
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,914/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,558
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,477
−HK$934/mo
Today · 4.125%
HK$31,411
baseline
▲ 0.50% · 4.625%
HK$33,323
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,822/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,883
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,765
−HK$894/mo
Today · 4.125%
HK$34,659
baseline
▲ 0.50% · 4.625%
HK$36,486
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,318/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,042 · 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).