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$16,490
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$521/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,591
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,345
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,837
−HK$499/mo
Today · 4.125%
HK$19,336
baseline
▲ 0.50% · 4.625%
HK$20,356
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,672/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,788
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,404
−HK$625/mo
Today · 4.125%
HK$21,029
baseline
▲ 0.50% · 4.625%
HK$22,309
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,058/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,014
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,605
−HK$599/mo
Today · 4.125%
HK$23,204
baseline
▲ 0.50% · 4.625%
HK$24,427
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,408/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,086
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,804
−HK$730/mo
Today · 4.125%
HK$24,534
baseline
▲ 0.50% · 4.625%
HK$26,027
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,068/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,683
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,372
−HK$699/mo
Today · 4.125%
HK$27,071
baseline
▲ 0.50% · 4.625%
HK$28,498
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,142/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,682
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,606
−HK$938/mo
Today · 4.125%
HK$31,544
baseline
▲ 0.50% · 4.625%
HK$33,463
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,088/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,021
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,907
−HK$898/mo
Today · 4.125%
HK$34,805
baseline
▲ 0.50% · 4.625%
HK$36,640
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,610/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,952 · 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).