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$16,486
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$521/mo
Today · 4.125%
HK$17,520
baseline
▲ 0.50% · 4.625%
HK$18,586
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,040/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,340
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,832
−HK$499/mo
Today · 4.125%
HK$19,331
baseline
▲ 0.50% · 4.625%
HK$20,350
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,662/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,783
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,398
−HK$625/mo
Today · 4.125%
HK$21,023
baseline
▲ 0.50% · 4.625%
HK$22,303
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,046/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,008
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,598
−HK$599/mo
Today · 4.125%
HK$23,197
baseline
▲ 0.50% · 4.625%
HK$24,420
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,394/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,080
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,798
−HK$729/mo
Today · 4.125%
HK$24,527
baseline
▲ 0.50% · 4.625%
HK$26,020
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,054/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,676
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,365
−HK$698/mo
Today · 4.125%
HK$27,063
baseline
▲ 0.50% · 4.625%
HK$28,490
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,126/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,674
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,597
−HK$938/mo
Today · 4.125%
HK$31,535
baseline
▲ 0.50% · 4.625%
HK$33,454
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,070/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,012
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,898
−HK$898/mo
Today · 4.125%
HK$34,796
baseline
▲ 0.50% · 4.625%
HK$36,630
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,592/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,893 · 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).