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$16,481
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,994
−HK$520/mo
Today · 4.125%
HK$17,514
baseline
▲ 0.50% · 4.625%
HK$18,580
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,028/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,335
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,827
−HK$498/mo
Today · 4.125%
HK$19,325
baseline
▲ 0.50% · 4.625%
HK$20,344
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,650/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,777
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,392
−HK$625/mo
Today · 4.125%
HK$21,017
baseline
▲ 0.50% · 4.625%
HK$22,296
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,034/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,002
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,592
−HK$598/mo
Today · 4.125%
HK$23,190
baseline
▲ 0.50% · 4.625%
HK$24,413
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,380/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,073
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,791
−HK$729/mo
Today · 4.125%
HK$24,520
baseline
▲ 0.50% · 4.625%
HK$26,012
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,040/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,669
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,357
−HK$699/mo
Today · 4.125%
HK$27,056
baseline
▲ 0.50% · 4.625%
HK$28,482
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,112/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,666
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$938/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,444
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$898/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,619
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,830 · 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).