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$16,461
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$520/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,557
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,312
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$499/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$624/mo
Today · 4.125%
HK$20,991
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,982/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$598/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$728/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,980
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,637
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$697/mo
Today · 4.125%
HK$27,022
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,044/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,629
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$936/mo
Today · 4.125%
HK$31,487
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,974/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,962
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,846
−HK$897/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$1,831/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,563 · 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).