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$16,501
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,014
−HK$522/mo
Today · 4.125%
HK$17,536
baseline
▲ 0.50% · 4.625%
HK$18,603
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,072/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,357
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,850
−HK$499/mo
Today · 4.125%
HK$19,349
baseline
▲ 0.50% · 4.625%
HK$20,369
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,698/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,801
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,417
−HK$626/mo
Today · 4.125%
HK$21,043
baseline
▲ 0.50% · 4.625%
HK$22,323
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,086/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,029
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$599/mo
Today · 4.125%
HK$23,219
baseline
▲ 0.50% · 4.625%
HK$24,443
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,438/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,102
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,820
−HK$730/mo
Today · 4.125%
HK$24,550
baseline
▲ 0.50% · 4.625%
HK$26,044
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,100/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,700
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,389
−HK$700/mo
Today · 4.125%
HK$27,089
baseline
▲ 0.50% · 4.625%
HK$28,517
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,178/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,702
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,626
−HK$939/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,485
+HK$1,920/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,043
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$899/mo
Today · 4.125%
HK$34,828
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,656/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,096 · 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).