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$16,523
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,037
−HK$522/mo
Today · 4.125%
HK$17,559
baseline
▲ 0.50% · 4.625%
HK$18,627
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,118/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,381
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,874
−HK$500/mo
Today · 4.125%
HK$19,374
baseline
▲ 0.50% · 4.625%
HK$20,396
+HK$1,022/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,748/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,827
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,444
−HK$627/mo
Today · 4.125%
HK$21,071
baseline
▲ 0.50% · 4.625%
HK$22,353
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,142/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,058
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,649
−HK$600/mo
Today · 4.125%
HK$23,249
baseline
▲ 0.50% · 4.625%
HK$24,475
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,498/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,132
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,851
−HK$731/mo
Today · 4.125%
HK$24,582
baseline
▲ 0.50% · 4.625%
HK$26,078
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,164/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,734
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,424
−HK$700/mo
Today · 4.125%
HK$27,124
baseline
▲ 0.50% · 4.625%
HK$28,554
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,248/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,741
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$940/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,529
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,086
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$900/mo
Today · 4.125%
HK$34,874
baseline
▲ 0.50% · 4.625%
HK$36,712
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,748/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,380 · 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).