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$16,483
−HK$1,034/mo
▼ 0.25% · 3.875%
HK$16,996
−HK$521/mo
Today · 4.125%
HK$17,517
baseline
▲ 0.50% · 4.625%
HK$18,582
+HK$1,065/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$35,034/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,337
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,829
−HK$499/mo
Today · 4.125%
HK$19,328
baseline
▲ 0.50% · 4.625%
HK$20,347
+HK$1,019/mo
Deposit HK$3.61M · loan HK$3.61M · min. income ≈ HK$38,656/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,779
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$625/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,279/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,004
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$598/mo
Today · 4.125%
HK$23,193
baseline
▲ 0.50% · 4.625%
HK$24,416
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,386/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,076
−HK$1,447/mo
▼ 0.25% · 3.875%
HK$23,794
−HK$729/mo
Today · 4.125%
HK$24,523
baseline
▲ 0.50% · 4.625%
HK$26,015
+HK$1,492/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,046/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,672
−HK$1,387/mo
▼ 0.25% · 3.875%
HK$26,360
−HK$699/mo
Today · 4.125%
HK$27,059
baseline
▲ 0.50% · 4.625%
HK$28,485
+HK$1,426/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,118/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,669
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,592
−HK$938/mo
Today · 4.125%
HK$31,530
baseline
▲ 0.50% · 4.625%
HK$33,448
+HK$1,918/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,060/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,857 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,007
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,892
−HK$898/mo
Today · 4.125%
HK$34,790
baseline
▲ 0.50% · 4.625%
HK$36,624
+HK$1,834/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,580/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$216,857 · 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).