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$16,471
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,984
−HK$520/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,569
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,324
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,816
−HK$498/mo
Today · 4.125%
HK$19,314
baseline
▲ 0.50% · 4.625%
HK$20,332
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,628/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,766
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,380
−HK$625/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,283
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,989
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,579
−HK$598/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,399
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,060
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,777
−HK$729/mo
Today · 4.125%
HK$24,506
baseline
▲ 0.50% · 4.625%
HK$25,997
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,012/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,654
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,342
−HK$698/mo
Today · 4.125%
HK$27,040
baseline
▲ 0.50% · 4.625%
HK$28,465
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,080/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,648
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$937/mo
Today · 4.125%
HK$31,508
baseline
▲ 0.50% · 4.625%
HK$33,425
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,016/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,704 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,984
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,868
−HK$898/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,598
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,704 · 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).