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$16,429
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,940
−HK$520/mo
Today · 4.125%
HK$17,460
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$1,062/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,920/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,277
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,768
−HK$497/mo
Today · 4.125%
HK$19,265
baseline
▲ 0.50% · 4.625%
HK$20,280
+HK$1,015/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$38,530/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,715
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$20,328
−HK$623/mo
Today · 4.125%
HK$20,951
baseline
▲ 0.50% · 4.625%
HK$22,226
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$41,902/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,933
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,521
−HK$597/mo
Today · 4.125%
HK$23,118
baseline
▲ 0.50% · 4.625%
HK$24,336
+HK$1,218/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,236/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,001
−HK$1,442/mo
▼ 0.25% · 3.875%
HK$23,716
−HK$727/mo
Today · 4.125%
HK$24,443
baseline
▲ 0.50% · 4.625%
HK$25,931
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$48,886/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,588
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,275
−HK$696/mo
Today · 4.125%
HK$26,971
baseline
▲ 0.50% · 4.625%
HK$28,393
+HK$1,422/mo
Deposit HK$2.16M · loan HK$5.04M · min. income ≈ HK$53,942/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,573
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$30,493
−HK$934/mo
Today · 4.125%
HK$31,427
baseline
▲ 0.50% · 4.625%
HK$33,339
+HK$1,912/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$62,854/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,899
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,782
−HK$895/mo
Today · 4.125%
HK$34,677
baseline
▲ 0.50% · 4.625%
HK$36,505
+HK$1,828/mo
Deposit HK$721K · loan HK$6.48M · min. income ≈ HK$69,354/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,151 · 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).