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$16,489
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$521/mo
Today · 4.125%
HK$17,523
baseline
▲ 0.50% · 4.625%
HK$18,589
+HK$1,066/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,046/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,344
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,836
−HK$499/mo
Today · 4.125%
HK$19,335
baseline
▲ 0.50% · 4.625%
HK$20,354
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,670/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,787
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,402
−HK$625/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,307
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,603
−HK$599/mo
Today · 4.125%
HK$23,202
baseline
▲ 0.50% · 4.625%
HK$24,425
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,404/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,084
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,802
−HK$730/mo
Today · 4.125%
HK$24,532
baseline
▲ 0.50% · 4.625%
HK$26,025
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,064/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,681
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,370
−HK$699/mo
Today · 4.125%
HK$27,069
baseline
▲ 0.50% · 4.625%
HK$28,495
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,138/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,680
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$938/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,019
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$899/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,935 · 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).