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$16,475
−HK$1,033/mo
▼ 0.25% · 3.875%
HK$16,988
−HK$520/mo
Today · 4.125%
HK$17,508
baseline
▲ 0.50% · 4.625%
HK$18,574
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,016/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,329
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,820
−HK$499/mo
Today · 4.125%
HK$19,319
baseline
▲ 0.50% · 4.625%
HK$20,337
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,638/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,770
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,385
−HK$625/mo
Today · 4.125%
HK$21,010
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,020/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,994
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,584
−HK$599/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,222/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,065
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,783
−HK$729/mo
Today · 4.125%
HK$24,512
baseline
▲ 0.50% · 4.625%
HK$26,003
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,024/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,660
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,348
−HK$698/mo
Today · 4.125%
HK$27,046
baseline
▲ 0.50% · 4.625%
HK$28,472
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,092/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,656
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,578
−HK$937/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,918/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,991
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$898/mo
Today · 4.125%
HK$34,774
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$1,833/mo
Deposit HK$723K · loan HK$6.50M · min. income ≈ HK$69,548/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,756 · 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).