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$16,541
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$523/mo
Today · 4.125%
HK$17,578
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,156/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,895
−HK$500/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,418
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,849
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$627/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,674
−HK$600/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,157
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,877
−HK$732/mo
Today · 4.125%
HK$24,609
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,218/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,762
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,453
−HK$700/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,585
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,773
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$941/mo
Today · 4.125%
HK$31,640
baseline
▲ 0.50% · 4.625%
HK$33,565
+HK$1,925/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,280/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,122
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,010
−HK$902/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$1,840/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,615 · 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).