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$16,521
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,035
−HK$522/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$500/mo
Today · 4.125%
HK$19,372
baseline
▲ 0.50% · 4.625%
HK$20,393
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,744/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$626/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$600/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,849
−HK$731/mo
Today · 4.125%
HK$24,580
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,160/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$700/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,551
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,738
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,663
−HK$939/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,083
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$900/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,356 · 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).