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$16,533
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,048
−HK$522/mo
Today · 4.125%
HK$17,570
baseline
▲ 0.50% · 4.625%
HK$18,639
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,140/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,393
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$500/mo
Today · 4.125%
HK$19,387
baseline
▲ 0.50% · 4.625%
HK$20,409
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,774/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,840
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,457
−HK$627/mo
Today · 4.125%
HK$21,084
baseline
▲ 0.50% · 4.625%
HK$22,367
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,168/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,072
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,664
−HK$600/mo
Today · 4.125%
HK$23,264
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,528/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,147
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,867
−HK$731/mo
Today · 4.125%
HK$24,598
baseline
▲ 0.50% · 4.625%
HK$26,095
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,196/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,441
−HK$701/mo
Today · 4.125%
HK$27,142
baseline
▲ 0.50% · 4.625%
HK$28,572
+HK$1,430/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,284/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,760
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,686
−HK$940/mo
Today · 4.125%
HK$31,626
baseline
▲ 0.50% · 4.625%
HK$33,551
+HK$1,925/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,252/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,108
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,996
−HK$901/mo
Today · 4.125%
HK$34,897
baseline
▲ 0.50% · 4.625%
HK$36,736
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,794/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,521 · 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).