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$16,485
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$521/mo
Today · 4.125%
HK$17,519
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,038/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,339
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,831
−HK$499/mo
Today · 4.125%
HK$19,330
baseline
▲ 0.50% · 4.625%
HK$20,349
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,660/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,782
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,397
−HK$625/mo
Today · 4.125%
HK$21,022
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,044/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,007
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,597
−HK$599/mo
Today · 4.125%
HK$23,196
baseline
▲ 0.50% · 4.625%
HK$24,419
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,392/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,079
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,797
−HK$729/mo
Today · 4.125%
HK$24,526
baseline
▲ 0.50% · 4.625%
HK$26,018
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,052/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,675
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,363
−HK$699/mo
Today · 4.125%
HK$27,062
baseline
▲ 0.50% · 4.625%
HK$28,488
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,124/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,673
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,596
−HK$937/mo
Today · 4.125%
HK$31,533
baseline
▲ 0.50% · 4.625%
HK$33,452
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,066/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,010
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,896
−HK$898/mo
Today · 4.125%
HK$34,794
baseline
▲ 0.50% · 4.625%
HK$36,628
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,588/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,881 · 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).