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$16,479
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,991
−HK$521/mo
Today · 4.125%
HK$17,512
baseline
▲ 0.50% · 4.625%
HK$18,578
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,024/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,332
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,824
−HK$499/mo
Today · 4.125%
HK$19,323
baseline
▲ 0.50% · 4.625%
HK$20,341
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,646/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,774
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$624/mo
Today · 4.125%
HK$21,014
baseline
▲ 0.50% · 4.625%
HK$22,293
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,028/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,999
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,589
−HK$598/mo
Today · 4.125%
HK$23,187
baseline
▲ 0.50% · 4.625%
HK$24,410
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,374/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,070
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,788
−HK$729/mo
Today · 4.125%
HK$24,517
baseline
▲ 0.50% · 4.625%
HK$26,009
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,034/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,665
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,354
−HK$698/mo
Today · 4.125%
HK$27,052
baseline
▲ 0.50% · 4.625%
HK$28,478
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,104/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,662
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,584
−HK$938/mo
Today · 4.125%
HK$31,522
baseline
▲ 0.50% · 4.625%
HK$33,440
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,044/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$898/mo
Today · 4.125%
HK$34,781
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,562/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,801 · 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).