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$16,442
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$520/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,946/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,782
−HK$497/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,296
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,730
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,344
−HK$623/mo
Today · 4.125%
HK$20,967
baseline
▲ 0.50% · 4.625%
HK$22,243
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,934/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,949
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,538
−HK$597/mo
Today · 4.125%
HK$23,135
baseline
▲ 0.50% · 4.625%
HK$24,355
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,270/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,018
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,734
−HK$728/mo
Today · 4.125%
HK$24,462
baseline
▲ 0.50% · 4.625%
HK$25,950
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,924/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,608
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,295
−HK$696/mo
Today · 4.125%
HK$26,991
baseline
▲ 0.50% · 4.625%
HK$28,414
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,982/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,595
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,516
−HK$935/mo
Today · 4.125%
HK$31,451
baseline
▲ 0.50% · 4.625%
HK$33,365
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,902/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,924
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,807
−HK$896/mo
Today · 4.125%
HK$34,703
baseline
▲ 0.50% · 4.625%
HK$36,532
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,406/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,314 · 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).