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$1,034/mo
▼ 0.25% · 3.875%
HK$16,989
−HK$521/mo
Today · 4.125%
HK$17,510
baseline
▲ 0.50% · 4.625%
HK$18,575
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,020/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,330
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,821
−HK$499/mo
Today · 4.125%
HK$19,320
baseline
▲ 0.50% · 4.625%
HK$20,339
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,640/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,772
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,387
−HK$625/mo
Today · 4.125%
HK$21,012
baseline
▲ 0.50% · 4.625%
HK$22,290
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,024/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,996
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,586
−HK$598/mo
Today · 4.125%
HK$23,184
baseline
▲ 0.50% · 4.625%
HK$24,406
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,368/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,067
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,784
−HK$729/mo
Today · 4.125%
HK$24,513
baseline
▲ 0.50% · 4.625%
HK$26,005
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,026/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,662
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,350
−HK$698/mo
Today · 4.125%
HK$27,048
baseline
▲ 0.50% · 4.625%
HK$28,474
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,096/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,658
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,580
−HK$937/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,435
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,034/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,994
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,879
−HK$897/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,609
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,771 · 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).