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$16,557
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$523/mo
Today · 4.125%
HK$17,595
baseline
▲ 0.50% · 4.625%
HK$18,666
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,190/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,419
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,913
−HK$501/mo
Today · 4.125%
HK$19,414
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,828/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,868
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,486
−HK$628/mo
Today · 4.125%
HK$21,114
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,228/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,103
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,696
−HK$601/mo
Today · 4.125%
HK$23,297
baseline
▲ 0.50% · 4.625%
HK$24,525
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,594/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,179
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,900
−HK$733/mo
Today · 4.125%
HK$24,633
baseline
▲ 0.50% · 4.625%
HK$26,132
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,266/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,787
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,478
−HK$702/mo
Today · 4.125%
HK$27,180
baseline
▲ 0.50% · 4.625%
HK$28,613
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,360/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,802
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,729
−HK$942/mo
Today · 4.125%
HK$31,671
baseline
▲ 0.50% · 4.625%
HK$33,598
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,342/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,828 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,155
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,044
−HK$902/mo
Today · 4.125%
HK$34,946
baseline
▲ 0.50% · 4.625%
HK$36,788
+HK$1,842/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,892/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,828 · 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).