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$16,447
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,959
−HK$519/mo
Today · 4.125%
HK$17,478
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,956/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,297
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,788
−HK$498/mo
Today · 4.125%
HK$19,286
baseline
▲ 0.50% · 4.625%
HK$20,302
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,572/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,736
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,350
−HK$624/mo
Today · 4.125%
HK$20,974
baseline
▲ 0.50% · 4.625%
HK$22,250
+HK$1,276/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,948/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,957
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,546
−HK$597/mo
Today · 4.125%
HK$23,143
baseline
▲ 0.50% · 4.625%
HK$24,363
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,286/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,026
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,742
−HK$728/mo
Today · 4.125%
HK$24,470
baseline
▲ 0.50% · 4.625%
HK$25,959
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,940/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,616
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,303
−HK$697/mo
Today · 4.125%
HK$27,000
baseline
▲ 0.50% · 4.625%
HK$28,423
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,000/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,605
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,526
−HK$935/mo
Today · 4.125%
HK$31,461
baseline
▲ 0.50% · 4.625%
HK$33,376
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,922/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,935
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,818
−HK$896/mo
Today · 4.125%
HK$34,714
baseline
▲ 0.50% · 4.625%
HK$36,544
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,428/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,385 · 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).