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$16,522
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$522/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,626
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,380
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,873
−HK$500/mo
Today · 4.125%
HK$19,373
baseline
▲ 0.50% · 4.625%
HK$20,394
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,746/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,826
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,443
−HK$626/mo
Today · 4.125%
HK$21,069
baseline
▲ 0.50% · 4.625%
HK$22,351
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,138/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,056
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,648
−HK$600/mo
Today · 4.125%
HK$23,248
baseline
▲ 0.50% · 4.625%
HK$24,473
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,496/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,130
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,850
−HK$731/mo
Today · 4.125%
HK$24,581
baseline
▲ 0.50% · 4.625%
HK$26,076
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,162/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,732
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,422
−HK$700/mo
Today · 4.125%
HK$27,122
baseline
▲ 0.50% · 4.625%
HK$28,552
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,244/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,739
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$940/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,972
−HK$900/mo
Today · 4.125%
HK$34,872
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,744/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,366 · 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).