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$16,558
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$523/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,667
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$502/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,439
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$628/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,400
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$602/mo
Today · 4.125%
HK$23,299
baseline
▲ 0.50% · 4.625%
HK$24,527
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,598/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,181
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,902
−HK$732/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,480
−HK$702/mo
Today · 4.125%
HK$27,182
baseline
▲ 0.50% · 4.625%
HK$28,615
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,364/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,804
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,731
−HK$942/mo
Today · 4.125%
HK$31,673
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,927/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,346/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$902/mo
Today · 4.125%
HK$34,948
baseline
▲ 0.50% · 4.625%
HK$36,790
+HK$1,842/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,896/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,841 · 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).