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$16,511
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,025
−HK$521/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,614
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,368
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,861
−HK$500/mo
Today · 4.125%
HK$19,361
baseline
▲ 0.50% · 4.625%
HK$20,381
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,722/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$627/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,337
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,042
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$600/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,115
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,834
−HK$731/mo
Today · 4.125%
HK$24,565
baseline
▲ 0.50% · 4.625%
HK$26,060
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,130/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,716
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,405
−HK$700/mo
Today · 4.125%
HK$27,105
baseline
▲ 0.50% · 4.625%
HK$28,534
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,210/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,720
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$939/mo
Today · 4.125%
HK$31,583
baseline
▲ 0.50% · 4.625%
HK$33,505
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,166/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,950
−HK$899/mo
Today · 4.125%
HK$34,849
baseline
▲ 0.50% · 4.625%
HK$36,686
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,698/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,225 · 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).