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$16,502
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,015
−HK$522/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,604
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,358
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,851
−HK$499/mo
Today · 4.125%
HK$19,350
baseline
▲ 0.50% · 4.625%
HK$20,370
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,700/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$626/mo
Today · 4.125%
HK$21,044
baseline
▲ 0.50% · 4.625%
HK$22,325
+HK$1,281/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,088/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,621
−HK$599/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,103
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,821
−HK$730/mo
Today · 4.125%
HK$24,551
baseline
▲ 0.50% · 4.625%
HK$26,045
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,102/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,701
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,391
−HK$699/mo
Today · 4.125%
HK$27,090
baseline
▲ 0.50% · 4.625%
HK$28,518
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,180/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,703
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,627
−HK$939/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$899/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,107 · 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).