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$16,476
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,988
−HK$521/mo
Today · 4.125%
HK$17,509
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,018/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$498/mo
Today · 4.125%
HK$19,319
baseline
▲ 0.50% · 4.625%
HK$20,338
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,638/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$625/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$598/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,066
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,783
−HK$729/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$26,004
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,661
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,349
−HK$698/mo
Today · 4.125%
HK$27,047
baseline
▲ 0.50% · 4.625%
HK$28,473
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,094/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$937/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,434
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,032/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,992
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$898/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,761 · 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).