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$16,508
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$521/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,365
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$499/mo
Today · 4.125%
HK$19,357
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,714/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$626/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$600/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,111
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,830
−HK$731/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$26,055
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,711
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,401
−HK$699/mo
Today · 4.125%
HK$27,100
baseline
▲ 0.50% · 4.625%
HK$28,529
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,200/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,714
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$939/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,944
−HK$899/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,680
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,187 · 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).