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$16,510
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$521/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$500/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,428
−HK$626/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$599/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$731/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,404
−HK$699/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,718
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$940/mo
Today · 4.125%
HK$31,582
baseline
▲ 0.50% · 4.625%
HK$33,503
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,164/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,061
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,948
−HK$899/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,213 · 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).