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$1,030/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$519/mo
Today · 4.125%
HK$17,466
baseline
▲ 0.50% · 4.625%
HK$18,529
+HK$1,063/mo
Deposit HK$3.60M · loan HK$3.60M · min. income ≈ HK$34,932/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,285
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,775
−HK$498/mo
Today · 4.125%
HK$19,273
baseline
▲ 0.50% · 4.625%
HK$20,288
+HK$1,015/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$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,723
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,336
−HK$624/mo
Today · 4.125%
HK$20,960
baseline
▲ 0.50% · 4.625%
HK$22,235
+HK$1,275/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$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,942
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,530
−HK$597/mo
Today · 4.125%
HK$23,127
baseline
▲ 0.50% · 4.625%
HK$24,346
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.32M · min. income ≈ HK$46,254/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,010
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,726
−HK$727/mo
Today · 4.125%
HK$24,453
baseline
▲ 0.50% · 4.625%
HK$25,941
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,906/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,599
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,285
−HK$697/mo
Today · 4.125%
HK$26,982
baseline
▲ 0.50% · 4.625%
HK$28,404
+HK$1,422/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$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,584
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,505
−HK$935/mo
Today · 4.125%
HK$31,440
baseline
▲ 0.50% · 4.625%
HK$33,353
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,880/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,912
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,795
−HK$896/mo
Today · 4.125%
HK$34,691
baseline
▲ 0.50% · 4.625%
HK$36,519
+HK$1,828/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,382/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,236 · 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).