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$16,436
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$519/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,530
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,285
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,776
−HK$497/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,289
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,546/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,724
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,337
−HK$623/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,236
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,920/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,531
−HK$597/mo
Today · 4.125%
HK$23,128
baseline
▲ 0.50% · 4.625%
HK$24,347
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,256/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,011
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,727
−HK$727/mo
Today · 4.125%
HK$24,454
baseline
▲ 0.50% · 4.625%
HK$25,942
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,908/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,599
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,286
−HK$696/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,405
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,964/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,585
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,506
−HK$935/mo
Today · 4.125%
HK$31,441
baseline
▲ 0.50% · 4.625%
HK$33,354
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,882/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,913
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,796
−HK$896/mo
Today · 4.125%
HK$34,692
baseline
▲ 0.50% · 4.625%
HK$36,520
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,384/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,243 · 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).