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$16,512
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$521/mo
Today · 4.125%
HK$17,547
baseline
▲ 0.50% · 4.625%
HK$18,615
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,094/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,369
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,862
−HK$500/mo
Today · 4.125%
HK$19,362
baseline
▲ 0.50% · 4.625%
HK$20,382
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,724/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$626/mo
Today · 4.125%
HK$21,057
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,114/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,043
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,634
−HK$600/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,117
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,836
−HK$730/mo
Today · 4.125%
HK$24,566
baseline
▲ 0.50% · 4.625%
HK$26,061
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,132/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,717
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,407
−HK$700/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,535
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,721
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,646
−HK$939/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,065
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,952
−HK$899/mo
Today · 4.125%
HK$34,851
baseline
▲ 0.50% · 4.625%
HK$36,688
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,702/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,238 · 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).