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$16,511
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,024
−HK$522/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,368
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,860
−HK$500/mo
Today · 4.125%
HK$19,360
baseline
▲ 0.50% · 4.625%
HK$20,381
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,720/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$626/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$599/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$730/mo
Today · 4.125%
HK$24,564
baseline
▲ 0.50% · 4.625%
HK$26,059
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,128/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,715
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$699/mo
Today · 4.125%
HK$27,104
baseline
▲ 0.50% · 4.625%
HK$28,533
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,208/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,719
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,643
−HK$940/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,504
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,062
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,949
−HK$899/mo
Today · 4.125%
HK$34,848
baseline
▲ 0.50% · 4.625%
HK$36,685
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,696/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,220 · 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).