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$16,451
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,962
−HK$520/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,546
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,301
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,792
−HK$498/mo
Today · 4.125%
HK$19,290
baseline
▲ 0.50% · 4.625%
HK$20,307
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,580/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,741
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,355
−HK$624/mo
Today · 4.125%
HK$20,979
baseline
▲ 0.50% · 4.625%
HK$22,255
+HK$1,276/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,958/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,962
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,551
−HK$597/mo
Today · 4.125%
HK$23,148
baseline
▲ 0.50% · 4.625%
HK$24,368
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,296/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,031
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,747
−HK$728/mo
Today · 4.125%
HK$24,475
baseline
▲ 0.50% · 4.625%
HK$25,965
+HK$1,490/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,950/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,622
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,309
−HK$697/mo
Today · 4.125%
HK$27,006
baseline
▲ 0.50% · 4.625%
HK$28,430
+HK$1,424/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,012/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,611
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,532
−HK$936/mo
Today · 4.125%
HK$31,468
baseline
▲ 0.50% · 4.625%
HK$33,383
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,936/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,942
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,826
−HK$896/mo
Today · 4.125%
HK$34,722
baseline
▲ 0.50% · 4.625%
HK$36,552
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,444/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,433 · 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).