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$16,501
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$521/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,602
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,849
−HK$500/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,368
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,801
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,417
−HK$625/mo
Today · 4.125%
HK$21,042
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,281/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,084/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,028
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,619
−HK$599/mo
Today · 4.125%
HK$23,218
baseline
▲ 0.50% · 4.625%
HK$24,442
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,436/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,101
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,819
−HK$730/mo
Today · 4.125%
HK$24,549
baseline
▲ 0.50% · 4.625%
HK$26,043
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,098/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,699
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$699/mo
Today · 4.125%
HK$27,088
baseline
▲ 0.50% · 4.625%
HK$28,516
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,176/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,701
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$939/mo
Today · 4.125%
HK$31,564
baseline
▲ 0.50% · 4.625%
HK$33,484
+HK$1,920/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,128/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,042
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,928
−HK$899/mo
Today · 4.125%
HK$34,827
baseline
▲ 0.50% · 4.625%
HK$36,663
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,654/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,089 · 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).