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$16,442
−HK$1,031/mo
▼ 0.25% · 3.875%
HK$16,954
−HK$519/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,537
+HK$1,064/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$34,946/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,292
−HK$988/mo
▼ 0.25% · 3.875%
HK$18,783
−HK$497/mo
Today · 4.125%
HK$19,280
baseline
▲ 0.50% · 4.625%
HK$20,296
+HK$1,016/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,560/mo (50% DSR)
Upfront cash ≈ HK$3.82M (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,731
−HK$1,237/mo
▼ 0.25% · 3.875%
HK$20,345
−HK$623/mo
Today · 4.125%
HK$20,968
baseline
▲ 0.50% · 4.625%
HK$22,244
+HK$1,276/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$41,936/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,950
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$22,539
−HK$597/mo
Today · 4.125%
HK$23,136
baseline
▲ 0.50% · 4.625%
HK$24,356
+HK$1,220/mo
Deposit HK$2.88M · loan HK$4.33M · min. income ≈ HK$46,272/mo (50% DSR)
Upfront cash ≈ HK$3.10M (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,019
−HK$1,444/mo
▼ 0.25% · 3.875%
HK$23,735
−HK$728/mo
Today · 4.125%
HK$24,463
baseline
▲ 0.50% · 4.625%
HK$25,951
+HK$1,488/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$48,926/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,609
−HK$1,383/mo
▼ 0.25% · 3.875%
HK$26,296
−HK$696/mo
Today · 4.125%
HK$26,992
baseline
▲ 0.50% · 4.625%
HK$28,415
+HK$1,423/mo
Deposit HK$2.16M · loan HK$5.05M · min. income ≈ HK$53,984/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,596
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$30,517
−HK$935/mo
Today · 4.125%
HK$31,452
baseline
▲ 0.50% · 4.625%
HK$33,366
+HK$1,914/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$62,904/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,926
−HK$1,778/mo
▼ 0.25% · 3.875%
HK$33,809
−HK$895/mo
Today · 4.125%
HK$34,704
baseline
▲ 0.50% · 4.625%
HK$36,534
+HK$1,830/mo
Deposit HK$721K · loan HK$6.49M · min. income ≈ HK$69,408/mo (50% DSR)
Upfront cash ≈ HK$937K (deposit + AVD stamp duty HK$216,323 · 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).