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$16,464
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$521/mo
Today · 4.125%
HK$17,497
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,994/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,808
−HK$498/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,324
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$624/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$598/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$728/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,986
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,643
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,331
−HK$697/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,453
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,636
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$937/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,854
−HK$897/mo
Today · 4.125%
HK$34,751
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,831/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,502/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,611 · 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).