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$16,473
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,985
−HK$521/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,571
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,326
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,818
−HK$498/mo
Today · 4.125%
HK$19,316
baseline
▲ 0.50% · 4.625%
HK$20,334
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,632/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$625/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,581
−HK$598/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,401
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,062
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,780
−HK$728/mo
Today · 4.125%
HK$24,508
baseline
▲ 0.50% · 4.625%
HK$26,000
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,016/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,656
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,345
−HK$698/mo
Today · 4.125%
HK$27,043
baseline
▲ 0.50% · 4.625%
HK$28,468
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,086/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,651
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$937/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$897/mo
Today · 4.125%
HK$34,769
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$1,833/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,538/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,726 · 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).