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$16,456
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,968
−HK$520/mo
Today · 4.125%
HK$17,488
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,976/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,307
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,798
−HK$498/mo
Today · 4.125%
HK$19,296
baseline
▲ 0.50% · 4.625%
HK$20,313
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,592/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,747
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,361
−HK$624/mo
Today · 4.125%
HK$20,985
baseline
▲ 0.50% · 4.625%
HK$22,262
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,970/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,968
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,557
−HK$598/mo
Today · 4.125%
HK$23,155
baseline
▲ 0.50% · 4.625%
HK$24,376
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,310/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,038
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,755
−HK$728/mo
Today · 4.125%
HK$24,483
baseline
▲ 0.50% · 4.625%
HK$25,972
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,966/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,629
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,317
−HK$697/mo
Today · 4.125%
HK$27,014
baseline
▲ 0.50% · 4.625%
HK$28,438
+HK$1,424/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,028/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,620
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,542
−HK$936/mo
Today · 4.125%
HK$31,478
baseline
▲ 0.50% · 4.625%
HK$33,393
+HK$1,915/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$62,956/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,952
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,836
−HK$897/mo
Today · 4.125%
HK$34,733
baseline
▲ 0.50% · 4.625%
HK$36,563
+HK$1,830/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$69,466/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,498 · 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).