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$16,495
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$17,008
−HK$521/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,596
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,350
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,842
−HK$500/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,361
+HK$1,019/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,794
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$626/mo
Today · 4.125%
HK$21,035
baseline
▲ 0.50% · 4.625%
HK$22,315
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,070/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,611
−HK$599/mo
Today · 4.125%
HK$23,210
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,224/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,420/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,093
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,811
−HK$730/mo
Today · 4.125%
HK$24,541
baseline
▲ 0.50% · 4.625%
HK$26,034
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,082/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,690
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,379
−HK$699/mo
Today · 4.125%
HK$27,078
baseline
▲ 0.50% · 4.625%
HK$28,506
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,156/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,691
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,614
−HK$939/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,472
+HK$1,919/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$899/mo
Today · 4.125%
HK$34,815
baseline
▲ 0.50% · 4.625%
HK$36,650
+HK$1,835/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,630/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,013 · 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).