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$16,472
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$521/mo
Today · 4.125%
HK$17,505
baseline
▲ 0.50% · 4.625%
HK$18,570
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,010/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,325
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,817
−HK$498/mo
Today · 4.125%
HK$19,315
baseline
▲ 0.50% · 4.625%
HK$20,333
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,630/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,381
−HK$625/mo
Today · 4.125%
HK$21,006
baseline
▲ 0.50% · 4.625%
HK$22,284
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,012/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,990
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$598/mo
Today · 4.125%
HK$23,178
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,356/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,061
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,778
−HK$729/mo
Today · 4.125%
HK$24,507
baseline
▲ 0.50% · 4.625%
HK$25,998
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,014/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,655
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,343
−HK$698/mo
Today · 4.125%
HK$27,041
baseline
▲ 0.50% · 4.625%
HK$28,467
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,082/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,650
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,572
−HK$937/mo
Today · 4.125%
HK$31,509
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,018/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,985
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,870
−HK$897/mo
Today · 4.125%
HK$34,767
baseline
▲ 0.50% · 4.625%
HK$36,600
+HK$1,833/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,534/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,714 · 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).