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$16,506
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,019
−HK$522/mo
Today · 4.125%
HK$17,541
baseline
▲ 0.50% · 4.625%
HK$18,608
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,082/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,362
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,855
−HK$499/mo
Today · 4.125%
HK$19,354
baseline
▲ 0.50% · 4.625%
HK$20,375
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,708/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,807
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,423
−HK$626/mo
Today · 4.125%
HK$21,049
baseline
▲ 0.50% · 4.625%
HK$22,330
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,098/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,035
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,626
−HK$599/mo
Today · 4.125%
HK$23,225
baseline
▲ 0.50% · 4.625%
HK$24,450
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,450/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,108
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,827
−HK$730/mo
Today · 4.125%
HK$24,557
baseline
▲ 0.50% · 4.625%
HK$26,051
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,114/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,707
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,397
−HK$699/mo
Today · 4.125%
HK$27,096
baseline
▲ 0.50% · 4.625%
HK$28,524
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,192/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,710
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$939/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,494
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$899/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,155 · 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).