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$16,484
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$521/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,584
+HK$1,066/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,338
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,830
−HK$499/mo
Today · 4.125%
HK$19,329
baseline
▲ 0.50% · 4.625%
HK$20,348
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,658/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$625/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,300
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,006
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$599/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,078
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,796
−HK$729/mo
Today · 4.125%
HK$24,525
baseline
▲ 0.50% · 4.625%
HK$26,017
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,050/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,674
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,362
−HK$699/mo
Today · 4.125%
HK$27,061
baseline
▲ 0.50% · 4.625%
HK$28,487
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,122/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,671
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,594
−HK$938/mo
Today · 4.125%
HK$31,532
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,064/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,009
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,894
−HK$898/mo
Today · 4.125%
HK$34,792
baseline
▲ 0.50% · 4.625%
HK$36,626
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,584/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,872 · 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).