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$16,466
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,978
−HK$520/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$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,318
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,809
−HK$499/mo
Today · 4.125%
HK$19,308
baseline
▲ 0.50% · 4.625%
HK$20,325
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,616/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,373
−HK$625/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,278/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,571
−HK$598/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$3.11M (deposit + AVD stamp duty HK$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,052
−HK$1,446/mo
▼ 0.25% · 3.875%
HK$23,769
−HK$729/mo
Today · 4.125%
HK$24,498
baseline
▲ 0.50% · 4.625%
HK$25,988
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,996/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,645
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,333
−HK$698/mo
Today · 4.125%
HK$27,031
baseline
▲ 0.50% · 4.625%
HK$28,455
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,062/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,638
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,560
−HK$937/mo
Today · 4.125%
HK$31,497
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,994/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,972
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,857
−HK$897/mo
Today · 4.125%
HK$34,754
baseline
▲ 0.50% · 4.625%
HK$36,586
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,508/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,630 · 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).