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$16,462
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,974
−HK$520/mo
Today · 4.125%
HK$17,494
baseline
▲ 0.50% · 4.625%
HK$18,558
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,988/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,805
−HK$498/mo
Today · 4.125%
HK$19,303
baseline
▲ 0.50% · 4.625%
HK$20,320
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,606/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,754
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$625/mo
Today · 4.125%
HK$20,993
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,986/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,566
−HK$597/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,046
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,763
−HK$729/mo
Today · 4.125%
HK$24,492
baseline
▲ 0.50% · 4.625%
HK$25,982
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,984/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,639
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,326
−HK$698/mo
Today · 4.125%
HK$27,024
baseline
▲ 0.50% · 4.625%
HK$28,448
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,048/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,631
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$936/mo
Today · 4.125%
HK$31,489
baseline
▲ 0.50% · 4.625%
HK$33,405
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,978/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,964
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,848
−HK$897/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,577 · 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).