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$16,445
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$520/mo
Today · 4.125%
HK$17,476
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,952/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,294
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$498/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,299
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,733
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,347
−HK$624/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,953
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,542
−HK$597/mo
Today · 4.125%
HK$23,139
baseline
▲ 0.50% · 4.625%
HK$24,359
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,278/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,022
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,738
−HK$728/mo
Today · 4.125%
HK$24,466
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,932/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,612
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,299
−HK$697/mo
Today · 4.125%
HK$26,996
baseline
▲ 0.50% · 4.625%
HK$28,419
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,992/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,600
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,521
−HK$935/mo
Today · 4.125%
HK$31,456
baseline
▲ 0.50% · 4.625%
HK$33,370
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,912/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,930
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,813
−HK$896/mo
Today · 4.125%
HK$34,709
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,418/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,352 · 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).