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$16,454
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,966
−HK$520/mo
Today · 4.125%
HK$17,486
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,972/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,305
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,796
−HK$498/mo
Today · 4.125%
HK$19,294
baseline
▲ 0.50% · 4.625%
HK$20,311
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,588/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,745
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$624/mo
Today · 4.125%
HK$20,983
baseline
▲ 0.50% · 4.625%
HK$22,260
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,966/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,966
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,555
−HK$598/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,373
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,036
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,753
−HK$728/mo
Today · 4.125%
HK$24,481
baseline
▲ 0.50% · 4.625%
HK$25,970
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,962/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,627
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,315
−HK$697/mo
Today · 4.125%
HK$27,012
baseline
▲ 0.50% · 4.625%
HK$28,436
+HK$1,424/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,024/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,618
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,539
−HK$936/mo
Today · 4.125%
HK$31,475
baseline
▲ 0.50% · 4.625%
HK$33,390
+HK$1,915/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$62,950/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,949
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,833
−HK$897/mo
Today · 4.125%
HK$34,730
baseline
▲ 0.50% · 4.625%
HK$36,560
+HK$1,830/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$69,460/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,480 · 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).