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$16,507
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$522/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,364
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$500/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,808
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$626/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,280/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$599/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$730/mo
Today · 4.125%
HK$24,559
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,118/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$699/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$939/mo
Today · 4.125%
HK$31,576
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,152/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,055
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$900/mo
Today · 4.125%
HK$34,841
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$1,836/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,682/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,173 · 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).