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$16,451
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,963
−HK$520/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$498/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$623/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,256
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$598/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,369
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,748
−HK$728/mo
Today · 4.125%
HK$24,476
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,952/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,623
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,310
−HK$697/mo
Today · 4.125%
HK$27,007
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,014/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,612
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,533
−HK$936/mo
Today · 4.125%
HK$31,469
baseline
▲ 0.50% · 4.625%
HK$33,384
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,938/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,440 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,943
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,827
−HK$896/mo
Today · 4.125%
HK$34,723
baseline
▲ 0.50% · 4.625%
HK$36,553
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,446/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,440 · 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).