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$16,510
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,023
−HK$522/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,613
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,367
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$499/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,380
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,428
−HK$626/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,040
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,631
−HK$600/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,114
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,833
−HK$730/mo
Today · 4.125%
HK$24,563
baseline
▲ 0.50% · 4.625%
HK$26,058
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,126/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,714
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$700/mo
Today · 4.125%
HK$27,103
baseline
▲ 0.50% · 4.625%
HK$28,532
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,206/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,718
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$939/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,503
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,061
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$900/mo
Today · 4.125%
HK$34,847
baseline
▲ 0.50% · 4.625%
HK$36,684
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,694/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,210 · 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).