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$16,453
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,965
−HK$520/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,970/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$498/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,358
−HK$624/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$598/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,035
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$728/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,969
+HK$1,490/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,626
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,313
−HK$697/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,434
+HK$1,424/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,616
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$936/mo
Today · 4.125%
HK$31,473
baseline
▲ 0.50% · 4.625%
HK$33,388
+HK$1,915/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$62,946/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,831
−HK$896/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,558
+HK$1,831/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,467 · 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).