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$16,468
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,980
−HK$521/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,566
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,321
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,812
−HK$498/mo
Today · 4.125%
HK$19,310
baseline
▲ 0.50% · 4.625%
HK$20,328
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,620/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,376
−HK$625/mo
Today · 4.125%
HK$21,001
baseline
▲ 0.50% · 4.625%
HK$22,279
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,002/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,574
−HK$598/mo
Today · 4.125%
HK$23,172
baseline
▲ 0.50% · 4.625%
HK$24,394
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,344/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,055
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,772
−HK$729/mo
Today · 4.125%
HK$24,501
baseline
▲ 0.50% · 4.625%
HK$25,992
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,002/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,649
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,337
−HK$698/mo
Today · 4.125%
HK$27,035
baseline
▲ 0.50% · 4.625%
HK$28,460
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,070/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,643
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,565
−HK$936/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,977
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,861
−HK$898/mo
Today · 4.125%
HK$34,759
baseline
▲ 0.50% · 4.625%
HK$36,591
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,518/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,661 · 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).