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$16,432
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,943
−HK$520/mo
Today · 4.125%
HK$17,463
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,926/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,281
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,771
−HK$497/mo
Today · 4.125%
HK$19,268
baseline
▲ 0.50% · 4.625%
HK$20,284
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,536/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,719
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,332
−HK$623/mo
Today · 4.125%
HK$20,955
baseline
▲ 0.50% · 4.625%
HK$22,230
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,910/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,937
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,525
−HK$597/mo
Today · 4.125%
HK$23,122
baseline
▲ 0.50% · 4.625%
HK$24,341
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,244/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,005
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,721
−HK$727/mo
Today · 4.125%
HK$24,448
baseline
▲ 0.50% · 4.625%
HK$25,935
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,896/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,593
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,279
−HK$696/mo
Today · 4.125%
HK$26,975
baseline
▲ 0.50% · 4.625%
HK$28,397
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,950/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,578
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,498
−HK$935/mo
Today · 4.125%
HK$31,433
baseline
▲ 0.50% · 4.625%
HK$33,345
+HK$1,912/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,866/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,905
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,787
−HK$896/mo
Today · 4.125%
HK$34,683
baseline
▲ 0.50% · 4.625%
HK$36,511
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,366/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,188 · 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).