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$16,493
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$521/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,594
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,348
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,840
−HK$499/mo
Today · 4.125%
HK$19,339
baseline
▲ 0.50% · 4.625%
HK$20,359
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,678/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,791
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,407
−HK$625/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,312
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,018
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,608
−HK$599/mo
Today · 4.125%
HK$23,207
baseline
▲ 0.50% · 4.625%
HK$24,430
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,414/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,090
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,808
−HK$730/mo
Today · 4.125%
HK$24,538
baseline
▲ 0.50% · 4.625%
HK$26,031
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,076/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,687
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,376
−HK$699/mo
Today · 4.125%
HK$27,075
baseline
▲ 0.50% · 4.625%
HK$28,502
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,150/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,687
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$939/mo
Today · 4.125%
HK$31,549
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,098/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$899/mo
Today · 4.125%
HK$34,811
baseline
▲ 0.50% · 4.625%
HK$36,646
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,622/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,986 · 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).