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$16,495
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,009
−HK$521/mo
Today · 4.125%
HK$17,530
baseline
▲ 0.50% · 4.625%
HK$18,597
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,060/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,351
−HK$991/mo
▼ 0.25% · 3.875%
HK$18,843
−HK$499/mo
Today · 4.125%
HK$19,342
baseline
▲ 0.50% · 4.625%
HK$20,362
+HK$1,020/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,684/mo (50% DSR)
Upfront cash ≈ HK$3.83M (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,795
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,410
−HK$626/mo
Today · 4.125%
HK$21,036
baseline
▲ 0.50% · 4.625%
HK$22,316
+HK$1,280/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$42,072/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,021
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,612
−HK$599/mo
Today · 4.125%
HK$23,211
baseline
▲ 0.50% · 4.625%
HK$24,434
+HK$1,223/mo
Deposit HK$2.89M · loan HK$4.34M · min. income ≈ HK$46,422/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,094
−HK$1,448/mo
▼ 0.25% · 3.875%
HK$23,812
−HK$730/mo
Today · 4.125%
HK$24,542
baseline
▲ 0.50% · 4.625%
HK$26,035
+HK$1,493/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$49,084/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,691
−HK$1,388/mo
▼ 0.25% · 3.875%
HK$26,380
−HK$699/mo
Today · 4.125%
HK$27,079
baseline
▲ 0.50% · 4.625%
HK$28,507
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.06M · min. income ≈ HK$54,158/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,692
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$939/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,474
+HK$1,920/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$898/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$1,836/mo
Deposit HK$723K · loan HK$6.51M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$940K (deposit + AVD stamp duty HK$217,022 · 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).