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$16,487
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,000
−HK$521/mo
Today · 4.125%
HK$17,521
baseline
▲ 0.50% · 4.625%
HK$18,587
+HK$1,066/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,042/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,341
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,833
−HK$499/mo
Today · 4.125%
HK$19,332
baseline
▲ 0.50% · 4.625%
HK$20,351
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,664/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,784
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$625/mo
Today · 4.125%
HK$21,025
baseline
▲ 0.50% · 4.625%
HK$22,304
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,050/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,010
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,600
−HK$599/mo
Today · 4.125%
HK$23,199
baseline
▲ 0.50% · 4.625%
HK$24,422
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,398/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,081
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,799
−HK$730/mo
Today · 4.125%
HK$24,529
baseline
▲ 0.50% · 4.625%
HK$26,021
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,058/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,678
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,367
−HK$698/mo
Today · 4.125%
HK$27,065
baseline
▲ 0.50% · 4.625%
HK$28,492
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,130/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,676
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$938/mo
Today · 4.125%
HK$31,537
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,074/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,014
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$898/mo
Today · 4.125%
HK$34,798
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,596/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,907 · 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).