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$16,513
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,026
−HK$522/mo
Today · 4.125%
HK$17,548
baseline
▲ 0.50% · 4.625%
HK$18,616
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,096/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,370
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,863
−HK$499/mo
Today · 4.125%
HK$19,362
baseline
▲ 0.50% · 4.625%
HK$20,383
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,724/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,815
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$627/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,339
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,044
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$600/mo
Today · 4.125%
HK$23,235
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,470/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,118
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,837
−HK$730/mo
Today · 4.125%
HK$24,567
baseline
▲ 0.50% · 4.625%
HK$26,062
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,134/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,718
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,408
−HK$699/mo
Today · 4.125%
HK$27,107
baseline
▲ 0.50% · 4.625%
HK$28,536
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,214/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,723
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$939/mo
Today · 4.125%
HK$31,586
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,172/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,066
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$899/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,690
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,246 · 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).