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$16,507
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,020
−HK$522/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,609
+HK$1,067/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,363
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,856
−HK$499/mo
Today · 4.125%
HK$19,355
baseline
▲ 0.50% · 4.625%
HK$20,376
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,710/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,808
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,424
−HK$626/mo
Today · 4.125%
HK$21,050
baseline
▲ 0.50% · 4.625%
HK$22,331
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$42,100/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,036
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,627
−HK$600/mo
Today · 4.125%
HK$23,227
baseline
▲ 0.50% · 4.625%
HK$24,451
+HK$1,224/mo
Deposit HK$2.90M · loan HK$4.34M · min. income ≈ HK$46,454/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,109
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,828
−HK$730/mo
Today · 4.125%
HK$24,558
baseline
▲ 0.50% · 4.625%
HK$26,053
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,116/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,709
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,398
−HK$700/mo
Today · 4.125%
HK$27,098
baseline
▲ 0.50% · 4.625%
HK$28,526
+HK$1,428/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,196/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,712
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$939/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,496
+HK$1,921/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,054
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$899/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,676
+HK$1,836/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$941K (deposit + AVD stamp duty HK$217,168 · 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).