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$16,445
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,956
−HK$520/mo
Today · 4.125%
HK$17,476
baseline
▲ 0.50% · 4.625%
HK$18,540
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,952/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,295
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,785
−HK$498/mo
Today · 4.125%
HK$19,283
baseline
▲ 0.50% · 4.625%
HK$20,300
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,566/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,734
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,348
−HK$623/mo
Today · 4.125%
HK$20,971
baseline
▲ 0.50% · 4.625%
HK$22,247
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,942/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,954
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,543
−HK$597/mo
Today · 4.125%
HK$23,140
baseline
▲ 0.50% · 4.625%
HK$24,360
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,280/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,023
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,739
−HK$728/mo
Today · 4.125%
HK$24,467
baseline
▲ 0.50% · 4.625%
HK$25,955
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,934/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,613
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,300
−HK$697/mo
Today · 4.125%
HK$26,997
baseline
▲ 0.50% · 4.625%
HK$28,420
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,994/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,601
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,522
−HK$935/mo
Today · 4.125%
HK$31,457
baseline
▲ 0.50% · 4.625%
HK$33,371
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,914/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,931
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,814
−HK$896/mo
Today · 4.125%
HK$34,710
baseline
▲ 0.50% · 4.625%
HK$36,539
+HK$1,829/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,420/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,357 · 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).