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$16,464
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$520/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,561
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,316
−HK$990/mo
▼ 0.25% · 3.875%
HK$18,807
−HK$499/mo
Today · 4.125%
HK$19,306
baseline
▲ 0.50% · 4.625%
HK$20,323
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,612/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$625/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$598/mo
Today · 4.125%
HK$23,167
baseline
▲ 0.50% · 4.625%
HK$24,388
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,334/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,050
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,767
−HK$728/mo
Today · 4.125%
HK$24,495
baseline
▲ 0.50% · 4.625%
HK$25,985
+HK$1,490/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$48,990/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,642
−HK$1,386/mo
▼ 0.25% · 3.875%
HK$26,330
−HK$698/mo
Today · 4.125%
HK$27,028
baseline
▲ 0.50% · 4.625%
HK$28,452
+HK$1,424/mo
Deposit HK$2.17M · loan HK$5.05M · min. income ≈ HK$54,056/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,635
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,557
−HK$937/mo
Today · 4.125%
HK$31,494
baseline
▲ 0.50% · 4.625%
HK$33,410
+HK$1,916/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$62,988/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,969
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,853
−HK$897/mo
Today · 4.125%
HK$34,750
baseline
▲ 0.50% · 4.625%
HK$36,582
+HK$1,832/mo
Deposit HK$722K · loan HK$6.50M · min. income ≈ HK$69,500/mo (50% DSR)
Upfront cash ≈ HK$939K (deposit + AVD stamp duty HK$216,607 · 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).