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$16,532
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$522/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$501/mo
Today · 4.125%
HK$19,386
baseline
▲ 0.50% · 4.625%
HK$20,408
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,772/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$600/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$732/mo
Today · 4.125%
HK$24,597
baseline
▲ 0.50% · 4.625%
HK$26,094
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,194/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,749
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,440
−HK$700/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,571
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,758
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$941/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,549
+HK$1,924/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$901/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,508 · 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).