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$16,446
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,957
−HK$520/mo
Today · 4.125%
HK$17,477
baseline
▲ 0.50% · 4.625%
HK$18,540
+HK$1,063/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,954/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,296
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,786
−HK$498/mo
Today · 4.125%
HK$19,284
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,568/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,735
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,349
−HK$623/mo
Today · 4.125%
HK$20,972
baseline
▲ 0.50% · 4.625%
HK$22,248
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,944/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,955
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$598/mo
Today · 4.125%
HK$23,141
baseline
▲ 0.50% · 4.625%
HK$24,361
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,282/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,024
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,740
−HK$728/mo
Today · 4.125%
HK$24,468
baseline
▲ 0.50% · 4.625%
HK$25,956
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,936/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,614
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,301
−HK$697/mo
Today · 4.125%
HK$26,998
baseline
▲ 0.50% · 4.625%
HK$28,421
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,996/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,602
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,523
−HK$935/mo
Today · 4.125%
HK$31,458
baseline
▲ 0.50% · 4.625%
HK$33,372
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,916/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,932
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,815
−HK$896/mo
Today · 4.125%
HK$34,711
baseline
▲ 0.50% · 4.625%
HK$36,541
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,422/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,365 · 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).