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$16,492
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,005
−HK$521/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,593
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,347
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,839
−HK$499/mo
Today · 4.125%
HK$19,338
baseline
▲ 0.50% · 4.625%
HK$20,358
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,676/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,790
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,406
−HK$626/mo
Today · 4.125%
HK$21,032
baseline
▲ 0.50% · 4.625%
HK$22,311
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,064/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,017
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,607
−HK$599/mo
Today · 4.125%
HK$23,206
baseline
▲ 0.50% · 4.625%
HK$24,429
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,412/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,089
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,807
−HK$730/mo
Today · 4.125%
HK$24,537
baseline
▲ 0.50% · 4.625%
HK$26,030
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,074/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,686
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,375
−HK$699/mo
Today · 4.125%
HK$27,074
baseline
▲ 0.50% · 4.625%
HK$28,501
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,148/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,686
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$938/mo
Today · 4.125%
HK$31,547
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,920/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,094/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$898/mo
Today · 4.125%
HK$34,809
baseline
▲ 0.50% · 4.625%
HK$36,644
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,618/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,977 · 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).