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$16,446
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,958
−HK$520/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,541
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,956/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,787
−HK$498/mo
Today · 4.125%
HK$19,285
baseline
▲ 0.50% · 4.625%
HK$20,301
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,570/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$624/mo
Today · 4.125%
HK$20,973
baseline
▲ 0.50% · 4.625%
HK$22,249
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,946/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,956
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,544
−HK$598/mo
Today · 4.125%
HK$23,142
baseline
▲ 0.50% · 4.625%
HK$24,362
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,284/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,025
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,741
−HK$728/mo
Today · 4.125%
HK$24,469
baseline
▲ 0.50% · 4.625%
HK$25,958
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,938/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,615
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,302
−HK$697/mo
Today · 4.125%
HK$26,999
baseline
▲ 0.50% · 4.625%
HK$28,422
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,998/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,603
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,524
−HK$936/mo
Today · 4.125%
HK$31,460
baseline
▲ 0.50% · 4.625%
HK$33,374
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,920/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,933
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,817
−HK$896/mo
Today · 4.125%
HK$34,713
baseline
▲ 0.50% · 4.625%
HK$36,542
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,426/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,375 · 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).