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$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,269
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,759
−HK$497/mo
Today · 4.125%
HK$19,256
baseline
▲ 0.50% · 4.625%
HK$20,271
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,512/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,706
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$20,319
−HK$622/mo
Today · 4.125%
HK$20,941
baseline
▲ 0.50% · 4.625%
HK$22,216
+HK$1,275/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$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,922
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,510
−HK$597/mo
Today · 4.125%
HK$23,107
baseline
▲ 0.50% · 4.625%
HK$24,325
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,214/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,990
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,705
−HK$727/mo
Today · 4.125%
HK$24,432
baseline
▲ 0.50% · 4.625%
HK$25,918
+HK$1,486/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,864/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,576
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,262
−HK$696/mo
Today · 4.125%
HK$26,958
baseline
▲ 0.50% · 4.625%
HK$28,379
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,916/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,559
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$30,478
−HK$934/mo
Today · 4.125%
HK$31,412
baseline
▲ 0.50% · 4.625%
HK$33,324
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,824/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,884
−HK$1,776/mo
▼ 0.25% · 3.875%
HK$33,766
−HK$894/mo
Today · 4.125%
HK$34,660
baseline
▲ 0.50% · 4.625%
HK$36,487
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,320/mo (50% DSR)
Upfront cash ≈ HK$936K (deposit + AVD stamp duty HK$216,048 · 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).