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$16,468
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$520/mo
Today · 4.125%
HK$17,500
baseline
▲ 0.50% · 4.625%
HK$18,565
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,000/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,320
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$498/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,761
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$625/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,984
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$598/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,393
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$729/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,991
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,648
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,336
−HK$698/mo
Today · 4.125%
HK$27,034
baseline
▲ 0.50% · 4.625%
HK$28,459
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,068/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,642
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$937/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,976
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,861
−HK$897/mo
Today · 4.125%
HK$34,758
baseline
▲ 0.50% · 4.625%
HK$36,590
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,516/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,658 · 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).