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$16,477
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,990
−HK$521/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,576
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,331
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,822
−HK$499/mo
Today · 4.125%
HK$19,321
baseline
▲ 0.50% · 4.625%
HK$20,340
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,642/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,388
−HK$625/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,291
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,997
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$598/mo
Today · 4.125%
HK$23,185
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,370/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,068
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,786
−HK$729/mo
Today · 4.125%
HK$24,515
baseline
▲ 0.50% · 4.625%
HK$26,006
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,030/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,663
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,351
−HK$699/mo
Today · 4.125%
HK$27,050
baseline
▲ 0.50% · 4.625%
HK$28,475
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,100/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,659
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$937/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,995
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$898/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,611
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,783 · 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).