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$16,475
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$521/mo
Today · 4.125%
HK$17,508
baseline
▲ 0.50% · 4.625%
HK$18,573
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,016/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$499/mo
Today · 4.125%
HK$19,318
baseline
▲ 0.50% · 4.625%
HK$20,336
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,636/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$624/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,288
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,993
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$599/mo
Today · 4.125%
HK$23,182
baseline
▲ 0.50% · 4.625%
HK$24,404
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,364/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$729/mo
Today · 4.125%
HK$24,511
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,022/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$698/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,471
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,654
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$937/mo
Today · 4.125%
HK$31,514
baseline
▲ 0.50% · 4.625%
HK$33,431
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,028/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,875
−HK$898/mo
Today · 4.125%
HK$34,773
baseline
▲ 0.50% · 4.625%
HK$36,605
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,546/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,748 · 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).