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$16,547
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$523/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$500/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,856
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$627/mo
Today · 4.125%
HK$21,101
baseline
▲ 0.50% · 4.625%
HK$22,385
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,202/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,090
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,682
−HK$601/mo
Today · 4.125%
HK$23,283
baseline
▲ 0.50% · 4.625%
HK$24,510
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,566/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,886
−HK$732/mo
Today · 4.125%
HK$24,618
baseline
▲ 0.50% · 4.625%
HK$26,116
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,236/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,771
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$701/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,595
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,784
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,710
−HK$942/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,578
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,134
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,023
−HK$901/mo
Today · 4.125%
HK$34,924
baseline
▲ 0.50% · 4.625%
HK$36,765
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,848/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,695 · 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).