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$16,500
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$521/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,601
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,356
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,848
−HK$500/mo
Today · 4.125%
HK$19,348
baseline
▲ 0.50% · 4.625%
HK$20,367
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,696/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,800
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,416
−HK$625/mo
Today · 4.125%
HK$21,041
baseline
▲ 0.50% · 4.625%
HK$22,322
+HK$1,281/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,082/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,027
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,618
−HK$599/mo
Today · 4.125%
HK$23,217
baseline
▲ 0.50% · 4.625%
HK$24,441
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,434/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,100
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,818
−HK$730/mo
Today · 4.125%
HK$24,548
baseline
▲ 0.50% · 4.625%
HK$26,042
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,096/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,698
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,387
−HK$700/mo
Today · 4.125%
HK$27,087
baseline
▲ 0.50% · 4.625%
HK$28,514
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,174/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,700
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$939/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,920/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$899/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,661
+HK$1,835/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,078 · 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).