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$18,558
+HK$1,065/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$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$498/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,018/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$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$624/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$598/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$729/mo
Today · 4.125%
HK$24,491
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,982/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$697/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,552
−HK$936/mo
Today · 4.125%
HK$31,488
baseline
▲ 0.50% · 4.625%
HK$33,404
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,976/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,847
−HK$897/mo
Today · 4.125%
HK$34,744
baseline
▲ 0.50% · 4.625%
HK$36,575
+HK$1,831/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,488/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,570 · 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).