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$16,444
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$520/mo
Today · 4.125%
HK$17,475
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,950/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,293
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,784
−HK$498/mo
Today · 4.125%
HK$19,282
baseline
▲ 0.50% · 4.625%
HK$20,298
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,564/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,732
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,346
−HK$624/mo
Today · 4.125%
HK$20,970
baseline
▲ 0.50% · 4.625%
HK$22,246
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,940/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,952
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,541
−HK$597/mo
Today · 4.125%
HK$23,138
baseline
▲ 0.50% · 4.625%
HK$24,358
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,276/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,021
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,737
−HK$728/mo
Today · 4.125%
HK$24,465
baseline
▲ 0.50% · 4.625%
HK$25,953
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,930/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,611
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,298
−HK$696/mo
Today · 4.125%
HK$26,994
baseline
▲ 0.50% · 4.625%
HK$28,417
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,988/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,599
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,519
−HK$936/mo
Today · 4.125%
HK$31,455
baseline
▲ 0.50% · 4.625%
HK$33,369
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,910/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,928
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,811
−HK$896/mo
Today · 4.125%
HK$34,707
baseline
▲ 0.50% · 4.625%
HK$36,537
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,414/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,340 · 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).