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$16,499
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,012
−HK$522/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,601
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,355
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,847
−HK$500/mo
Today · 4.125%
HK$19,347
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,694/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,799
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,415
−HK$626/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,321
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,026
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,617
−HK$599/mo
Today · 4.125%
HK$23,216
baseline
▲ 0.50% · 4.625%
HK$24,440
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,432/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,099
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,817
−HK$730/mo
Today · 4.125%
HK$24,547
baseline
▲ 0.50% · 4.625%
HK$26,041
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,094/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,697
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,386
−HK$700/mo
Today · 4.125%
HK$27,086
baseline
▲ 0.50% · 4.625%
HK$28,513
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,172/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,699
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$939/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,920/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,071 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,039
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$899/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,071 · 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).