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$16,449
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$520/mo
Today · 4.125%
HK$17,481
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,962/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,300
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$498/mo
Today · 4.125%
HK$19,288
baseline
▲ 0.50% · 4.625%
HK$20,305
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,576/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,739
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,353
−HK$624/mo
Today · 4.125%
HK$20,977
baseline
▲ 0.50% · 4.625%
HK$22,253
+HK$1,276/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,954/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,960
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$598/mo
Today · 4.125%
HK$23,146
baseline
▲ 0.50% · 4.625%
HK$24,366
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,292/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,029
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,745
−HK$728/mo
Today · 4.125%
HK$24,473
baseline
▲ 0.50% · 4.625%
HK$25,962
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,946/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,307
−HK$697/mo
Today · 4.125%
HK$27,004
baseline
▲ 0.50% · 4.625%
HK$28,427
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,008/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,609
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,530
−HK$935/mo
Today · 4.125%
HK$31,465
baseline
▲ 0.50% · 4.625%
HK$33,380
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,930/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,939
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,823
−HK$896/mo
Today · 4.125%
HK$34,719
baseline
▲ 0.50% · 4.625%
HK$36,549
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,438/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,414 · 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).