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$16,507
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$522/mo
Today · 4.125%
HK$17,543
baseline
▲ 0.50% · 4.625%
HK$18,610
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,086/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,364
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,857
−HK$499/mo
Today · 4.125%
HK$19,356
baseline
▲ 0.50% · 4.625%
HK$20,377
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,712/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$626/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$600/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,110
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,829
−HK$731/mo
Today · 4.125%
HK$24,560
baseline
▲ 0.50% · 4.625%
HK$26,054
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,120/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,710
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,399
−HK$700/mo
Today · 4.125%
HK$27,099
baseline
▲ 0.50% · 4.625%
HK$28,527
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,198/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,713
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,637
−HK$940/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,498
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,056
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,942
−HK$900/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$1,836/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,178 · 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).