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$16,524
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$523/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,628
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,382
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,875
−HK$500/mo
Today · 4.125%
HK$19,375
baseline
▲ 0.50% · 4.625%
HK$20,397
+HK$1,022/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,750/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,828
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,445
−HK$627/mo
Today · 4.125%
HK$21,072
baseline
▲ 0.50% · 4.625%
HK$22,354
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,144/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,059
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,650
−HK$600/mo
Today · 4.125%
HK$23,250
baseline
▲ 0.50% · 4.625%
HK$24,476
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,500/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,133
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,852
−HK$732/mo
Today · 4.125%
HK$24,584
baseline
▲ 0.50% · 4.625%
HK$26,079
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,168/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,735
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,425
−HK$701/mo
Today · 4.125%
HK$27,126
baseline
▲ 0.50% · 4.625%
HK$28,555
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,252/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,742
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,667
−HK$940/mo
Today · 4.125%
HK$31,607
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,214/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,975
−HK$901/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,714
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,391 · 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).