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$16,497
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,010
−HK$521/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,598
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,353
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,845
−HK$499/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,364
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$626/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$599/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,096
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,814
−HK$730/mo
Today · 4.125%
HK$24,544
baseline
▲ 0.50% · 4.625%
HK$26,037
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,088/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,694
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,383
−HK$699/mo
Today · 4.125%
HK$27,082
baseline
▲ 0.50% · 4.625%
HK$28,509
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,164/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,694
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$939/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,920/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,041 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$899/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,041 · 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).