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$16,515
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$522/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,619
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,373
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,866
−HK$500/mo
Today · 4.125%
HK$19,366
baseline
▲ 0.50% · 4.625%
HK$20,387
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,732/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,435
−HK$626/mo
Today · 4.125%
HK$21,061
baseline
▲ 0.50% · 4.625%
HK$22,343
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,122/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,048
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,639
−HK$600/mo
Today · 4.125%
HK$23,239
baseline
▲ 0.50% · 4.625%
HK$24,464
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,478/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,841
−HK$730/mo
Today · 4.125%
HK$24,571
baseline
▲ 0.50% · 4.625%
HK$26,066
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,142/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,722
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,412
−HK$700/mo
Today · 4.125%
HK$27,112
baseline
▲ 0.50% · 4.625%
HK$28,541
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,224/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,728
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$940/mo
Today · 4.125%
HK$31,592
baseline
▲ 0.50% · 4.625%
HK$33,514
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,184/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,072
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,959
−HK$899/mo
Today · 4.125%
HK$34,858
baseline
▲ 0.50% · 4.625%
HK$36,696
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,716/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,283 · 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).