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$16,478
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$521/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,577
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,331
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,823
−HK$499/mo
Today · 4.125%
HK$19,322
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,644/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,388
−HK$625/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,998
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$599/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,069
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$729/mo
Today · 4.125%
HK$24,515
baseline
▲ 0.50% · 4.625%
HK$26,007
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,030/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,664
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,352
−HK$698/mo
Today · 4.125%
HK$27,050
baseline
▲ 0.50% · 4.625%
HK$28,476
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,100/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,660
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$938/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$898/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,788 · 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).