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$16,452
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$519/mo
Today · 4.125%
HK$17,483
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,966/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,302
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,793
−HK$498/mo
Today · 4.125%
HK$19,291
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,582/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,356
−HK$624/mo
Today · 4.125%
HK$20,980
baseline
▲ 0.50% · 4.625%
HK$22,257
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,960/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,963
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$597/mo
Today · 4.125%
HK$23,149
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,221/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,298/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,032
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$728/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,966
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,954/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,623
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$697/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,431
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,016/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,613
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,534
−HK$936/mo
Today · 4.125%
HK$31,470
baseline
▲ 0.50% · 4.625%
HK$33,385
+HK$1,915/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,940/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,944
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$896/mo
Today · 4.125%
HK$34,724
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$1,831/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,448/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,447 · 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).