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$16,434
−HK$1,030/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$519/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,282
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,772
−HK$498/mo
Today · 4.125%
HK$19,270
baseline
▲ 0.50% · 4.625%
HK$20,286
+HK$1,016/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,540/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,720
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,334
−HK$623/mo
Today · 4.125%
HK$20,957
baseline
▲ 0.50% · 4.625%
HK$22,232
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,914/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,939
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,527
−HK$597/mo
Today · 4.125%
HK$23,124
baseline
▲ 0.50% · 4.625%
HK$24,343
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,248/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,007
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,723
−HK$727/mo
Today · 4.125%
HK$24,450
baseline
▲ 0.50% · 4.625%
HK$25,937
+HK$1,487/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,900/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,595
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,281
−HK$697/mo
Today · 4.125%
HK$26,978
baseline
▲ 0.50% · 4.625%
HK$28,400
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,956/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,580
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$30,501
−HK$934/mo
Today · 4.125%
HK$31,435
baseline
▲ 0.50% · 4.625%
HK$33,348
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,870/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,908
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,790
−HK$896/mo
Today · 4.125%
HK$34,686
baseline
▲ 0.50% · 4.625%
HK$36,514
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,372/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,207 · 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).