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$16,480
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,992
−HK$521/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,579
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,026/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,333
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,825
−HK$499/mo
Today · 4.125%
HK$19,324
baseline
▲ 0.50% · 4.625%
HK$20,343
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,648/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,776
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,391
−HK$625/mo
Today · 4.125%
HK$21,016
baseline
▲ 0.50% · 4.625%
HK$22,294
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,032/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$599/mo
Today · 4.125%
HK$23,189
baseline
▲ 0.50% · 4.625%
HK$24,411
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,378/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,072
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,789
−HK$729/mo
Today · 4.125%
HK$24,518
baseline
▲ 0.50% · 4.625%
HK$26,010
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,036/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,667
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,355
−HK$699/mo
Today · 4.125%
HK$27,054
baseline
▲ 0.50% · 4.625%
HK$28,480
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,108/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,663
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,586
−HK$938/mo
Today · 4.125%
HK$31,524
baseline
▲ 0.50% · 4.625%
HK$33,442
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,048/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,000
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,885
−HK$898/mo
Today · 4.125%
HK$34,783
baseline
▲ 0.50% · 4.625%
HK$36,617
+HK$1,834/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,566/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,814 · 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).