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$16,473
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$520/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,326
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$498/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$624/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,286
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$599/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$729/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$26,000
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,018/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,657
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$698/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,652
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$937/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,429
+HK$1,918/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$897/mo
Today · 4.125%
HK$34,769
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$1,833/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,538/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,728 · 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).