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$16,467
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,979
−HK$520/mo
Today · 4.125%
HK$17,499
baseline
▲ 0.50% · 4.625%
HK$18,564
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,998/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,319
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,810
−HK$499/mo
Today · 4.125%
HK$19,309
baseline
▲ 0.50% · 4.625%
HK$20,327
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,618/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,760
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$624/mo
Today · 4.125%
HK$20,999
baseline
▲ 0.50% · 4.625%
HK$22,277
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,998/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,983
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,572
−HK$599/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,392
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,053
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,770
−HK$729/mo
Today · 4.125%
HK$24,499
baseline
▲ 0.50% · 4.625%
HK$25,990
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,998/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,647
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,334
−HK$698/mo
Today · 4.125%
HK$27,032
baseline
▲ 0.50% · 4.625%
HK$28,457
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,064/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,640
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,562
−HK$937/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,415
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,974
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$897/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,643 · 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).