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$16,491
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$521/mo
Today · 4.125%
HK$17,525
baseline
▲ 0.50% · 4.625%
HK$18,592
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,050/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,346
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,838
−HK$499/mo
Today · 4.125%
HK$19,337
baseline
▲ 0.50% · 4.625%
HK$20,357
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,674/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,789
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,405
−HK$625/mo
Today · 4.125%
HK$21,030
baseline
▲ 0.50% · 4.625%
HK$22,310
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,060/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,015
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,606
−HK$599/mo
Today · 4.125%
HK$23,205
baseline
▲ 0.50% · 4.625%
HK$24,428
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,410/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,087
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,806
−HK$729/mo
Today · 4.125%
HK$24,535
baseline
▲ 0.50% · 4.625%
HK$26,028
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,070/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,685
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,373
−HK$699/mo
Today · 4.125%
HK$27,072
baseline
▲ 0.50% · 4.625%
HK$28,499
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,144/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,684
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$938/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,920/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,909
−HK$898/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,964 · 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).