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$1,035/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$522/mo
Today · 4.125%
HK$17,544
baseline
▲ 0.50% · 4.625%
HK$18,611
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,088/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,366
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,858
−HK$500/mo
Today · 4.125%
HK$19,358
baseline
▲ 0.50% · 4.625%
HK$20,378
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,716/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$626/mo
Today · 4.125%
HK$21,053
baseline
▲ 0.50% · 4.625%
HK$22,334
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,106/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,039
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$599/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,454
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,112
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,831
−HK$730/mo
Today · 4.125%
HK$24,561
baseline
▲ 0.50% · 4.625%
HK$26,056
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,122/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,712
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,402
−HK$699/mo
Today · 4.125%
HK$27,101
baseline
▲ 0.50% · 4.625%
HK$28,530
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,202/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,715
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$939/mo
Today · 4.125%
HK$31,579
baseline
▲ 0.50% · 4.625%
HK$33,500
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,158/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,195 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,058
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,945
−HK$899/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,195 · 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).