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$16,495
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$522/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,596
+HK$1,066/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,351
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$499/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,410
−HK$626/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,316
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$599/mo
Today · 4.125%
HK$23,211
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,422/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$729/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,691
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$699/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$938/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,920/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,019 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$899/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,019 · 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).