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$16,443
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$520/mo
Today · 4.125%
HK$17,474
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,948/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,783
−HK$498/mo
Today · 4.125%
HK$19,281
baseline
▲ 0.50% · 4.625%
HK$20,297
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,562/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$624/mo
Today · 4.125%
HK$20,969
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,275/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,938/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,951
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,540
−HK$597/mo
Today · 4.125%
HK$23,137
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,219/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,274/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,020
−HK$1,443/mo
▼ 0.25% · 3.875%
HK$23,736
−HK$727/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,952
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$697/mo
Today · 4.125%
HK$26,993
baseline
▲ 0.50% · 4.625%
HK$28,416
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,986/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,597
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,518
−HK$935/mo
Today · 4.125%
HK$31,453
baseline
▲ 0.50% · 4.625%
HK$33,367
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,906/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,809
−HK$896/mo
Today · 4.125%
HK$34,705
baseline
▲ 0.50% · 4.625%
HK$36,535
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,410/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,328 · 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).