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$16,448
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,960
−HK$519/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,543
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,298
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,789
−HK$498/mo
Today · 4.125%
HK$19,287
baseline
▲ 0.50% · 4.625%
HK$20,303
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,574/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,738
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,351
−HK$624/mo
Today · 4.125%
HK$20,975
baseline
▲ 0.50% · 4.625%
HK$22,252
+HK$1,277/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,950/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,958
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,547
−HK$597/mo
Today · 4.125%
HK$23,144
baseline
▲ 0.50% · 4.625%
HK$24,364
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,288/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,027
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,743
−HK$728/mo
Today · 4.125%
HK$24,471
baseline
▲ 0.50% · 4.625%
HK$25,960
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,942/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,617
−HK$1,384/mo
▼ 0.25% · 3.875%
HK$26,304
−HK$697/mo
Today · 4.125%
HK$27,001
baseline
▲ 0.50% · 4.625%
HK$28,425
+HK$1,424/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,002/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,606
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,527
−HK$936/mo
Today · 4.125%
HK$31,463
baseline
▲ 0.50% · 4.625%
HK$33,377
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,926/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,937
−HK$1,779/mo
▼ 0.25% · 3.875%
HK$33,820
−HK$896/mo
Today · 4.125%
HK$34,716
baseline
▲ 0.50% · 4.625%
HK$36,546
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,432/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,396 · 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).