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$16,474
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,986
−HK$521/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,572
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,327
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$499/mo
Today · 4.125%
HK$19,317
baseline
▲ 0.50% · 4.625%
HK$20,335
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,634/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$625/mo
Today · 4.125%
HK$21,008
baseline
▲ 0.50% · 4.625%
HK$22,286
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,016/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,992
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$598/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,402
+HK$1,222/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$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,063
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,781
−HK$728/mo
Today · 4.125%
HK$24,509
baseline
▲ 0.50% · 4.625%
HK$26,001
+HK$1,492/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$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,658
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,346
−HK$698/mo
Today · 4.125%
HK$27,044
baseline
▲ 0.50% · 4.625%
HK$28,469
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,088/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,653
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,575
−HK$937/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,918/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,736 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,988
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$898/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,603
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,736 · 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).