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$16,504
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,017
−HK$522/mo
Today · 4.125%
HK$17,539
baseline
▲ 0.50% · 4.625%
HK$18,606
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,078/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,360
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,853
−HK$499/mo
Today · 4.125%
HK$19,352
baseline
▲ 0.50% · 4.625%
HK$20,372
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,704/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,805
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,421
−HK$625/mo
Today · 4.125%
HK$21,046
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,092/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,032
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$600/mo
Today · 4.125%
HK$23,223
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,446/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,105
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,824
−HK$730/mo
Today · 4.125%
HK$24,554
baseline
▲ 0.50% · 4.625%
HK$26,048
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,108/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,704
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,394
−HK$699/mo
Today · 4.125%
HK$27,093
baseline
▲ 0.50% · 4.625%
HK$28,521
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,186/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,707
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,631
−HK$939/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,049
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,935
−HK$899/mo
Today · 4.125%
HK$34,834
baseline
▲ 0.50% · 4.625%
HK$36,670
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,668/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,131 · 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).