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$16,463
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,975
−HK$520/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,560
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,990/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,315
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,806
−HK$499/mo
Today · 4.125%
HK$19,305
baseline
▲ 0.50% · 4.625%
HK$20,322
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,610/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,370
−HK$625/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,272
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,978
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,567
−HK$598/mo
Today · 4.125%
HK$23,165
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,330/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,048
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,765
−HK$729/mo
Today · 4.125%
HK$24,494
baseline
▲ 0.50% · 4.625%
HK$25,984
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,988/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,641
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,329
−HK$697/mo
Today · 4.125%
HK$27,026
baseline
▲ 0.50% · 4.625%
HK$28,451
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,052/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,634
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$937/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,408
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,967
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,851
−HK$897/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,596 · 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).