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$16,464
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$520/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$498/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$624/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$598/mo
Today · 4.125%
HK$23,166
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,332/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,049
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,766
−HK$729/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$697/mo
Today · 4.125%
HK$27,027
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,054/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,635
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$937/mo
Today · 4.125%
HK$31,493
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,986/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,604 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$897/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,581
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,604 · 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).