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$16,506
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$521/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$499/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$626/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,280/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,036
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$599/mo
Today · 4.125%
HK$23,226
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,452/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,109
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$730/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$26,052
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,708
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$699/mo
Today · 4.125%
HK$27,097
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,194/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,711
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$939/mo
Today · 4.125%
HK$31,574
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,922/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,148/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,053
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$899/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$1,837/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,164 · 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).