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$16,469
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$521/mo
Today · 4.125%
HK$17,502
baseline
▲ 0.50% · 4.625%
HK$18,567
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,004/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,322
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,813
−HK$499/mo
Today · 4.125%
HK$19,312
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,624/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$624/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,280
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,986
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$598/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,057
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,774
−HK$729/mo
Today · 4.125%
HK$24,503
baseline
▲ 0.50% · 4.625%
HK$25,993
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,006/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,650
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,338
−HK$698/mo
Today · 4.125%
HK$27,036
baseline
▲ 0.50% · 4.625%
HK$28,461
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,072/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,644
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$937/mo
Today · 4.125%
HK$31,503
baseline
▲ 0.50% · 4.625%
HK$33,420
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,006/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,979
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$898/mo
Today · 4.125%
HK$34,761
baseline
▲ 0.50% · 4.625%
HK$36,593
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,522/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,674 · 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).