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$1,038/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$523/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,170/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,408
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,902
−HK$501/mo
Today · 4.125%
HK$19,403
baseline
▲ 0.50% · 4.625%
HK$20,426
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,806/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,856
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$628/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,699 · 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$24,511
+HK$1,228/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$217,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,166
−HK$1,452/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$217,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,772
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,463
−HK$701/mo
Today · 4.125%
HK$27,164
baseline
▲ 0.50% · 4.625%
HK$28,596
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,328/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,785
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,711
−HK$941/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$217,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,135
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,024
−HK$901/mo
Today · 4.125%
HK$34,925
baseline
▲ 0.50% · 4.625%
HK$36,766
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,850/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,699 · 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).