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$16,463
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,975
−HK$520/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,560
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,990/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,806
−HK$498/mo
Today · 4.125%
HK$19,304
baseline
▲ 0.50% · 4.625%
HK$20,322
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,608/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,755
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,370
−HK$624/mo
Today · 4.125%
HK$20,994
baseline
▲ 0.50% · 4.625%
HK$22,272
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,988/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,978
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$598/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,386
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,048
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$728/mo
Today · 4.125%
HK$24,493
baseline
▲ 0.50% · 4.625%
HK$25,983
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,986/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,640
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,328
−HK$698/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,450
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,633
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$936/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,407
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,966
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,850
−HK$897/mo
Today · 4.125%
HK$34,747
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,494/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,591 · 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).