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$16,505
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$522/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,607
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,361
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,854
−HK$499/mo
Today · 4.125%
HK$19,353
baseline
▲ 0.50% · 4.625%
HK$20,373
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,706/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,806
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,422
−HK$626/mo
Today · 4.125%
HK$21,048
baseline
▲ 0.50% · 4.625%
HK$22,328
+HK$1,280/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,096/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,034
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,625
−HK$599/mo
Today · 4.125%
HK$23,224
baseline
▲ 0.50% · 4.625%
HK$24,448
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,448/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,107
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,825
−HK$731/mo
Today · 4.125%
HK$24,556
baseline
▲ 0.50% · 4.625%
HK$26,050
+HK$1,494/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,112/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,706
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,395
−HK$700/mo
Today · 4.125%
HK$27,095
baseline
▲ 0.50% · 4.625%
HK$28,523
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,190/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,708
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$938/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,921/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,050
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,937
−HK$899/mo
Today · 4.125%
HK$34,836
baseline
▲ 0.50% · 4.625%
HK$36,672
+HK$1,836/mo
Deposit HK$724K · loan HK$6.51M · min. income ≈ HK$69,672/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,143 · 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).