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$16,474
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,987
−HK$520/mo
Today · 4.125%
HK$17,507
baseline
▲ 0.50% · 4.625%
HK$18,573
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,014/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,328
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,819
−HK$499/mo
Today · 4.125%
HK$19,318
baseline
▲ 0.50% · 4.625%
HK$20,336
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,636/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,769
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,384
−HK$625/mo
Today · 4.125%
HK$21,009
baseline
▲ 0.50% · 4.625%
HK$22,287
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$42,018/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,993
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,583
−HK$598/mo
Today · 4.125%
HK$23,181
baseline
▲ 0.50% · 4.625%
HK$24,403
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,362/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,064
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,782
−HK$728/mo
Today · 4.125%
HK$24,510
baseline
▲ 0.50% · 4.625%
HK$26,002
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,020/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,659
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,347
−HK$698/mo
Today · 4.125%
HK$27,045
baseline
▲ 0.50% · 4.625%
HK$28,470
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,090/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,654
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$937/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,431
+HK$1,918/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$898/mo
Today · 4.125%
HK$34,772
baseline
▲ 0.50% · 4.625%
HK$36,605
+HK$1,833/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,544/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,744 · 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).