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$16,461
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,973
−HK$520/mo
Today · 4.125%
HK$17,493
baseline
▲ 0.50% · 4.625%
HK$18,558
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,986/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,313
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,804
−HK$498/mo
Today · 4.125%
HK$19,302
baseline
▲ 0.50% · 4.625%
HK$20,319
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,604/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,753
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$625/mo
Today · 4.125%
HK$20,992
baseline
▲ 0.50% · 4.625%
HK$22,269
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,984/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,975
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,564
−HK$598/mo
Today · 4.125%
HK$23,162
baseline
▲ 0.50% · 4.625%
HK$24,383
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,324/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,045
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,762
−HK$728/mo
Today · 4.125%
HK$24,490
baseline
▲ 0.50% · 4.625%
HK$25,981
+HK$1,491/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,980/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,638
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,325
−HK$698/mo
Today · 4.125%
HK$27,023
baseline
▲ 0.50% · 4.625%
HK$28,447
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,046/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,630
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$937/mo
Today · 4.125%
HK$31,488
baseline
▲ 0.50% · 4.625%
HK$33,404
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,976/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,847
−HK$896/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,575
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,566 · 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).