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$16,565
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$523/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,428
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,922
−HK$502/mo
Today · 4.125%
HK$19,424
baseline
▲ 0.50% · 4.625%
HK$20,447
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,848/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,877
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,496
−HK$628/mo
Today · 4.125%
HK$21,124
baseline
▲ 0.50% · 4.625%
HK$22,409
+HK$1,285/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,248/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,113
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,707
−HK$601/mo
Today · 4.125%
HK$23,308
baseline
▲ 0.50% · 4.625%
HK$24,537
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,616/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,190
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,912
−HK$733/mo
Today · 4.125%
HK$24,645
baseline
▲ 0.50% · 4.625%
HK$26,144
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,290/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,799
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,491
−HK$702/mo
Today · 4.125%
HK$27,193
baseline
▲ 0.50% · 4.625%
HK$28,626
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,386/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,816
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$942/mo
Today · 4.125%
HK$31,686
baseline
▲ 0.50% · 4.625%
HK$33,614
+HK$1,928/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,372/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,170
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,060
−HK$902/mo
Today · 4.125%
HK$34,962
baseline
▲ 0.50% · 4.625%
HK$36,805
+HK$1,843/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,924/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,931 · 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).