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$16,449
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$520/mo
Today · 4.125%
HK$17,480
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,960/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,299
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,790
−HK$498/mo
Today · 4.125%
HK$19,288
baseline
▲ 0.50% · 4.625%
HK$20,304
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,576/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,352
−HK$624/mo
Today · 4.125%
HK$20,976
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,276/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,952/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,959
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,548
−HK$597/mo
Today · 4.125%
HK$23,145
baseline
▲ 0.50% · 4.625%
HK$24,365
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,290/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,028
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,744
−HK$728/mo
Today · 4.125%
HK$24,472
baseline
▲ 0.50% · 4.625%
HK$25,961
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,944/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,619
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,306
−HK$697/mo
Today · 4.125%
HK$27,003
baseline
▲ 0.50% · 4.625%
HK$28,426
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,006/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,608
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,529
−HK$935/mo
Today · 4.125%
HK$31,464
baseline
▲ 0.50% · 4.625%
HK$33,379
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,928/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,938
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,821
−HK$897/mo
Today · 4.125%
HK$34,718
baseline
▲ 0.50% · 4.625%
HK$36,548
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,436/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,406 · 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).