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$16,554
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$523/mo
Today · 4.125%
HK$17,592
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,184/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,416
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,910
−HK$501/mo
Today · 4.125%
HK$19,411
baseline
▲ 0.50% · 4.625%
HK$20,434
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,822/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$628/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$601/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,175
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,896
−HK$732/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$26,127
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,782
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,474
−HK$701/mo
Today · 4.125%
HK$27,175
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,350/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,797
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,723
−HK$942/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,592
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,787 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,148
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,037
−HK$902/mo
Today · 4.125%
HK$34,939
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$1,842/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,878/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,787 · 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).