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$16,465
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$520/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,562
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$498/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$625/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$598/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$728/mo
Today · 4.125%
HK$24,496
baseline
▲ 0.50% · 4.625%
HK$25,987
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,992/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$698/mo
Today · 4.125%
HK$27,029
baseline
▲ 0.50% · 4.625%
HK$28,454
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,058/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,636
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,558
−HK$937/mo
Today · 4.125%
HK$31,495
baseline
▲ 0.50% · 4.625%
HK$33,411
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,990/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,970
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,583
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,616 · 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).