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$16,530
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$522/mo
Today · 4.125%
HK$17,566
baseline
▲ 0.50% · 4.625%
HK$18,635
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,132/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,389
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,882
−HK$501/mo
Today · 4.125%
HK$19,383
baseline
▲ 0.50% · 4.625%
HK$20,404
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,766/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,836
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,453
−HK$627/mo
Today · 4.125%
HK$21,080
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,160/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$600/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,142
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,861
−HK$732/mo
Today · 4.125%
HK$24,593
baseline
▲ 0.50% · 4.625%
HK$26,089
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,186/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,745
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,435
−HK$701/mo
Today · 4.125%
HK$27,136
baseline
▲ 0.50% · 4.625%
HK$28,566
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,272/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,754
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$940/mo
Today · 4.125%
HK$31,619
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,238/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,101
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$901/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$36,728
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,473 · 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).