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$16,548
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$523/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,410
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$501/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,858
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,476
−HK$627/mo
Today · 4.125%
HK$21,103
baseline
▲ 0.50% · 4.625%
HK$22,387
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,206/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,092
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,684
−HK$601/mo
Today · 4.125%
HK$23,285
baseline
▲ 0.50% · 4.625%
HK$24,513
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,570/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,168
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,888
−HK$732/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,774
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,465
−HK$701/mo
Today · 4.125%
HK$27,166
baseline
▲ 0.50% · 4.625%
HK$28,598
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,332/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,787
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,713
−HK$942/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,026
−HK$902/mo
Today · 4.125%
HK$34,928
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,856/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,716 · 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).