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$16,527
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,041
−HK$522/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,632
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,386
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,879
−HK$500/mo
Today · 4.125%
HK$19,379
baseline
▲ 0.50% · 4.625%
HK$20,401
+HK$1,022/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,758/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,832
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,449
−HK$627/mo
Today · 4.125%
HK$21,076
baseline
▲ 0.50% · 4.625%
HK$22,358
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,152/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,063
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,655
−HK$600/mo
Today · 4.125%
HK$23,255
baseline
▲ 0.50% · 4.625%
HK$24,481
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,510/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,137
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,857
−HK$731/mo
Today · 4.125%
HK$24,588
baseline
▲ 0.50% · 4.625%
HK$26,084
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,176/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,740
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,430
−HK$701/mo
Today · 4.125%
HK$27,131
baseline
▲ 0.50% · 4.625%
HK$28,561
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,262/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,748
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,673
−HK$940/mo
Today · 4.125%
HK$31,613
baseline
▲ 0.50% · 4.625%
HK$33,537
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,226/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,094
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,982
−HK$900/mo
Today · 4.125%
HK$34,882
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,764/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,432 · 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).