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$16,453
−HK$1,032/mo
▼ 0.25% · 3.875%
HK$16,965
−HK$520/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,549
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,970/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,304
−HK$989/mo
▼ 0.25% · 3.875%
HK$18,795
−HK$498/mo
Today · 4.125%
HK$19,293
baseline
▲ 0.50% · 4.625%
HK$20,310
+HK$1,017/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,586/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,358
−HK$624/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,276/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,964
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$597/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,220/mo
Deposit HK$2.89M · loan HK$4.33M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,034
−HK$1,445/mo
▼ 0.25% · 3.875%
HK$23,751
−HK$728/mo
Today · 4.125%
HK$24,479
baseline
▲ 0.50% · 4.625%
HK$25,968
+HK$1,489/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,958/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,625
−HK$1,385/mo
▼ 0.25% · 3.875%
HK$26,312
−HK$698/mo
Today · 4.125%
HK$27,010
baseline
▲ 0.50% · 4.625%
HK$28,433
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$54,020/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,615
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,537
−HK$935/mo
Today · 4.125%
HK$31,472
baseline
▲ 0.50% · 4.625%
HK$33,387
+HK$1,915/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$62,944/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,947
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,830
−HK$897/mo
Today · 4.125%
HK$34,727
baseline
▲ 0.50% · 4.625%
HK$36,557
+HK$1,830/mo
Deposit HK$722K · loan HK$6.49M · min. income ≈ HK$69,454/mo (50% DSR)
Upfront cash ≈ HK$938K (deposit + AVD stamp duty HK$216,462 · 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).