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$16,468
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,981
−HK$520/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$499/mo
Today · 4.125%
HK$19,311
baseline
▲ 0.50% · 4.625%
HK$20,329
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,622/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$624/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$598/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,056
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,773
−HK$729/mo
Today · 4.125%
HK$24,502
baseline
▲ 0.50% · 4.625%
HK$25,993
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,004/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$698/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$937/mo
Today · 4.125%
HK$31,502
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,004/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,862
−HK$898/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,667 · 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).