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$16,459
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,971
−HK$520/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,802
−HK$498/mo
Today · 4.125%
HK$19,300
baseline
▲ 0.50% · 4.625%
HK$20,317
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,600/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,751
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$625/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,267
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,562
−HK$598/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,043
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,760
−HK$728/mo
Today · 4.125%
HK$24,488
baseline
▲ 0.50% · 4.625%
HK$25,978
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,976/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,635
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,323
−HK$697/mo
Today · 4.125%
HK$27,020
baseline
▲ 0.50% · 4.625%
HK$28,444
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,040/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,627
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,548
−HK$937/mo
Today · 4.125%
HK$31,485
baseline
▲ 0.50% · 4.625%
HK$33,400
+HK$1,915/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,970/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,959
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,843
−HK$897/mo
Today · 4.125%
HK$34,740
baseline
▲ 0.50% · 4.625%
HK$36,571
+HK$1,831/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,480/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,545 · 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).