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$1,032/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$520/mo
Today · 4.125%
HK$17,484
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,968/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,303
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,794
−HK$498/mo
Today · 4.125%
HK$19,292
baseline
▲ 0.50% · 4.625%
HK$20,308
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,584/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,742
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$623/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$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,963
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,552
−HK$598/mo
Today · 4.125%
HK$23,150
baseline
▲ 0.50% · 4.625%
HK$24,370
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,300/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,033
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,749
−HK$728/mo
Today · 4.125%
HK$24,477
baseline
▲ 0.50% · 4.625%
HK$25,967
+HK$1,490/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$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,624
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,311
−HK$697/mo
Today · 4.125%
HK$27,008
baseline
▲ 0.50% · 4.625%
HK$28,432
+HK$1,424/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$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,614
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,535
−HK$936/mo
Today · 4.125%
HK$31,471
baseline
▲ 0.50% · 4.625%
HK$33,386
+HK$1,915/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$62,942/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,945
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,828
−HK$897/mo
Today · 4.125%
HK$34,725
baseline
▲ 0.50% · 4.625%
HK$36,555
+HK$1,830/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$69,450/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,450 · 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).