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$16,460
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$520/mo
Today · 4.125%
HK$17,492
baseline
▲ 0.50% · 4.625%
HK$18,556
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,984/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,311
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,803
−HK$498/mo
Today · 4.125%
HK$19,301
baseline
▲ 0.50% · 4.625%
HK$20,318
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,602/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,752
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$624/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,974
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$598/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,044
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,761
−HK$728/mo
Today · 4.125%
HK$24,489
baseline
▲ 0.50% · 4.625%
HK$25,979
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,978/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,636
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,324
−HK$697/mo
Today · 4.125%
HK$27,021
baseline
▲ 0.50% · 4.625%
HK$28,445
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,042/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,628
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,549
−HK$937/mo
Today · 4.125%
HK$31,486
baseline
▲ 0.50% · 4.625%
HK$33,401
+HK$1,915/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,972/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,961
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,845
−HK$896/mo
Today · 4.125%
HK$34,741
baseline
▲ 0.50% · 4.625%
HK$36,573
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,482/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,553 · 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).