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$1,031/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$519/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,523
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,279
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,769
−HK$497/mo
Today · 4.125%
HK$19,266
baseline
▲ 0.50% · 4.625%
HK$20,282
+HK$1,016/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$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,717
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,330
−HK$623/mo
Today · 4.125%
HK$20,953
baseline
▲ 0.50% · 4.625%
HK$22,228
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,906/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,934
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,523
−HK$597/mo
Today · 4.125%
HK$23,120
baseline
▲ 0.50% · 4.625%
HK$24,338
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,240/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,003
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,718
−HK$727/mo
Today · 4.125%
HK$24,445
baseline
▲ 0.50% · 4.625%
HK$25,933
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,890/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,590
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,277
−HK$696/mo
Today · 4.125%
HK$26,973
baseline
▲ 0.50% · 4.625%
HK$28,395
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,946/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,575
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,495
−HK$934/mo
Today · 4.125%
HK$31,429
baseline
▲ 0.50% · 4.625%
HK$33,342
+HK$1,913/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$62,858/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,902
−HK$1,777/mo
▼ 0.25% · 3.875%
HK$33,784
−HK$895/mo
Today · 4.125%
HK$34,679
baseline
▲ 0.50% · 4.625%
HK$36,507
+HK$1,828/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$69,358/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,166 · 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).