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$16,438
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$519/mo
Today · 4.125%
HK$17,468
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,936/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,287
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,777
−HK$498/mo
Today · 4.125%
HK$19,275
baseline
▲ 0.50% · 4.625%
HK$20,291
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,550/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,725
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,339
−HK$623/mo
Today · 4.125%
HK$20,962
baseline
▲ 0.50% · 4.625%
HK$22,237
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,924/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,944
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,532
−HK$597/mo
Today · 4.125%
HK$23,129
baseline
▲ 0.50% · 4.625%
HK$24,349
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,258/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,013
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,728
−HK$728/mo
Today · 4.125%
HK$24,456
baseline
▲ 0.50% · 4.625%
HK$25,944
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,912/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,601
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,288
−HK$696/mo
Today · 4.125%
HK$26,984
baseline
▲ 0.50% · 4.625%
HK$28,407
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,968/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,588
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,508
−HK$935/mo
Today · 4.125%
HK$31,443
baseline
▲ 0.50% · 4.625%
HK$33,356
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,886/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,916
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,799
−HK$895/mo
Today · 4.125%
HK$34,694
baseline
▲ 0.50% · 4.625%
HK$36,523
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,388/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,259 · 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).