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$16,566
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$524/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,429
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$501/mo
Today · 4.125%
HK$19,425
baseline
▲ 0.50% · 4.625%
HK$20,449
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,850/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,879
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,497
−HK$629/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,411
+HK$1,285/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,115
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,708
−HK$602/mo
Today · 4.125%
HK$23,310
baseline
▲ 0.50% · 4.625%
HK$24,539
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,620/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,192
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,914
−HK$732/mo
Today · 4.125%
HK$24,646
baseline
▲ 0.50% · 4.625%
HK$26,146
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,292/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,801
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,493
−HK$702/mo
Today · 4.125%
HK$27,195
baseline
▲ 0.50% · 4.625%
HK$28,628
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,390/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,818
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$942/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,929/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,173
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,062
−HK$903/mo
Today · 4.125%
HK$34,965
baseline
▲ 0.50% · 4.625%
HK$36,808
+HK$1,843/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,930/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,947 · 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).