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$16,458
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$520/mo
Today · 4.125%
HK$17,490
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,980/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,309
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,800
−HK$498/mo
Today · 4.125%
HK$19,298
baseline
▲ 0.50% · 4.625%
HK$20,316
+HK$1,018/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,596/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,749
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,364
−HK$624/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,560
−HK$598/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,379
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,041
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,758
−HK$728/mo
Today · 4.125%
HK$24,486
baseline
▲ 0.50% · 4.625%
HK$25,976
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,972/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,633
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,320
−HK$698/mo
Today · 4.125%
HK$27,018
baseline
▲ 0.50% · 4.625%
HK$28,442
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,036/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,624
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,546
−HK$936/mo
Today · 4.125%
HK$31,482
baseline
▲ 0.50% · 4.625%
HK$33,397
+HK$1,915/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,964/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,957
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,840
−HK$897/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,568
+HK$1,831/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,527 · 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).