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$16,441
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,952
−HK$520/mo
Today · 4.125%
HK$17,472
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,944/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,291
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,781
−HK$498/mo
Today · 4.125%
HK$19,279
baseline
▲ 0.50% · 4.625%
HK$20,295
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,558/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,729
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,343
−HK$623/mo
Today · 4.125%
HK$20,966
baseline
▲ 0.50% · 4.625%
HK$22,242
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,932/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,949
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$22,537
−HK$597/mo
Today · 4.125%
HK$23,134
baseline
▲ 0.50% · 4.625%
HK$24,354
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,268/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,017
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,733
−HK$728/mo
Today · 4.125%
HK$24,461
baseline
▲ 0.50% · 4.625%
HK$25,949
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,922/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,607
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,293
−HK$697/mo
Today · 4.125%
HK$26,990
baseline
▲ 0.50% · 4.625%
HK$28,413
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,980/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,594
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,514
−HK$936/mo
Today · 4.125%
HK$31,450
baseline
▲ 0.50% · 4.625%
HK$33,363
+HK$1,913/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,900/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,923
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,806
−HK$896/mo
Today · 4.125%
HK$34,702
baseline
▲ 0.50% · 4.625%
HK$36,531
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,404/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,306 · 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).