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$16,525
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$522/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,877
−HK$500/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$626/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,060
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$600/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,135
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$731/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$701/mo
Today · 4.125%
HK$27,128
baseline
▲ 0.50% · 4.625%
HK$28,558
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,256/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,745
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,670
−HK$940/mo
Today · 4.125%
HK$31,610
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,220/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,408 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,091
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$900/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$36,717
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,408 · 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).