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$16,427
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,938
−HK$519/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,275
−HK$987/mo
▼ 0.25% · 3.875%
HK$18,765
−HK$497/mo
Today · 4.125%
HK$19,262
baseline
▲ 0.50% · 4.625%
HK$20,277
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,524/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,712
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,325
−HK$623/mo
Today · 4.125%
HK$20,948
baseline
▲ 0.50% · 4.625%
HK$22,223
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,896/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,930
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$22,518
−HK$596/mo
Today · 4.125%
HK$23,114
baseline
▲ 0.50% · 4.625%
HK$24,333
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,228/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,998
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,713
−HK$727/mo
Today · 4.125%
HK$24,440
baseline
▲ 0.50% · 4.625%
HK$25,927
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,880/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,585
−HK$1,382/mo
▼ 0.25% · 3.875%
HK$26,271
−HK$696/mo
Today · 4.125%
HK$26,967
baseline
▲ 0.50% · 4.625%
HK$28,388
+HK$1,421/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,934/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,568
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,488
−HK$935/mo
Today · 4.125%
HK$31,423
baseline
▲ 0.50% · 4.625%
HK$33,335
+HK$1,912/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$62,846/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,894
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,777
−HK$895/mo
Today · 4.125%
HK$34,672
baseline
▲ 0.50% · 4.625%
HK$36,499
+HK$1,827/mo
Deposit HK$720K · loan HK$6.48M · min. income ≈ HK$69,344/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,119 · 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).