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$16,488
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,001
−HK$521/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,588
+HK$1,066/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,044/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,343
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,835
−HK$499/mo
Today · 4.125%
HK$19,334
baseline
▲ 0.50% · 4.625%
HK$20,353
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,668/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,785
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$625/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,306
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$599/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,083
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,801
−HK$730/mo
Today · 4.125%
HK$24,531
baseline
▲ 0.50% · 4.625%
HK$26,023
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,062/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,680
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,368
−HK$699/mo
Today · 4.125%
HK$27,067
baseline
▲ 0.50% · 4.625%
HK$28,494
+HK$1,427/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,134/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,678
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$938/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,922 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,017
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$898/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,635
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,922 · 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).