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$16,496
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$521/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,597
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,352
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,844
−HK$499/mo
Today · 4.125%
HK$19,343
baseline
▲ 0.50% · 4.625%
HK$20,363
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,686/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,795
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$626/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,317
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,022
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$599/mo
Today · 4.125%
HK$23,212
baseline
▲ 0.50% · 4.625%
HK$24,435
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,424/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,813
−HK$730/mo
Today · 4.125%
HK$24,543
baseline
▲ 0.50% · 4.625%
HK$26,036
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,086/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,692
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,381
−HK$699/mo
Today · 4.125%
HK$27,080
baseline
▲ 0.50% · 4.625%
HK$28,508
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,160/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,693
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$938/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,920/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$899/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,029 · 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).