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$16,509
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,023
−HK$522/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,612
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,859
−HK$500/mo
Today · 4.125%
HK$19,359
baseline
▲ 0.50% · 4.625%
HK$20,379
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,718/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,811
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$627/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,040
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,631
−HK$599/mo
Today · 4.125%
HK$23,230
baseline
▲ 0.50% · 4.625%
HK$24,455
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,460/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,113
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,832
−HK$730/mo
Today · 4.125%
HK$24,562
baseline
▲ 0.50% · 4.625%
HK$26,057
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,124/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,713
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,403
−HK$699/mo
Today · 4.125%
HK$27,102
baseline
▲ 0.50% · 4.625%
HK$28,531
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,204/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,717
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,641
−HK$939/mo
Today · 4.125%
HK$31,580
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,160/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,060
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,946
−HK$900/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,682
+HK$1,836/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,204 · 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).