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$16,503
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$522/mo
Today · 4.125%
HK$17,538
baseline
▲ 0.50% · 4.625%
HK$18,605
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,076/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,359
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,852
−HK$499/mo
Today · 4.125%
HK$19,351
baseline
▲ 0.50% · 4.625%
HK$20,371
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,702/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,803
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,419
−HK$626/mo
Today · 4.125%
HK$21,045
baseline
▲ 0.50% · 4.625%
HK$22,326
+HK$1,281/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,090/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,031
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,622
−HK$599/mo
Today · 4.125%
HK$23,221
baseline
▲ 0.50% · 4.625%
HK$24,445
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,442/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,104
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,823
−HK$730/mo
Today · 4.125%
HK$24,553
baseline
▲ 0.50% · 4.625%
HK$26,047
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,106/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,703
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,392
−HK$700/mo
Today · 4.125%
HK$27,092
baseline
▲ 0.50% · 4.625%
HK$28,520
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,184/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,705
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$939/mo
Today · 4.125%
HK$31,568
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,136/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,047
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,933
−HK$899/mo
Today · 4.125%
HK$34,832
baseline
▲ 0.50% · 4.625%
HK$36,668
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,664/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,119 · 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).