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$16,458
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$521/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,310
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,801
−HK$498/mo
Today · 4.125%
HK$19,299
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,598/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,750
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$624/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,266
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,972
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,561
−HK$598/mo
Today · 4.125%
HK$23,159
baseline
▲ 0.50% · 4.625%
HK$24,380
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,318/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,042
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,759
−HK$728/mo
Today · 4.125%
HK$24,487
baseline
▲ 0.50% · 4.625%
HK$25,977
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,974/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,634
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,321
−HK$698/mo
Today · 4.125%
HK$27,019
baseline
▲ 0.50% · 4.625%
HK$28,443
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,038/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,625
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,547
−HK$936/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$896/mo
Today · 4.125%
HK$34,738
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$1,831/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,476/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,535 · 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).