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$16,465
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,977
−HK$521/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,563
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,317
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$498/mo
Today · 4.125%
HK$19,307
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,614/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,758
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$624/mo
Today · 4.125%
HK$20,997
baseline
▲ 0.50% · 4.625%
HK$22,275
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,994/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,981
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,570
−HK$599/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,390
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,051
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,768
−HK$729/mo
Today · 4.125%
HK$24,497
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,994/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,644
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,332
−HK$698/mo
Today · 4.125%
HK$27,030
baseline
▲ 0.50% · 4.625%
HK$28,455
+HK$1,425/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,060/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,638
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$937/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,917/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$897/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,625 · 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).