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$16,542
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,057
−HK$523/mo
Today · 4.125%
HK$17,580
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,160/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,403
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,897
−HK$500/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,420
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,851
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,468
−HK$627/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,379
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,084
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,676
−HK$601/mo
Today · 4.125%
HK$23,277
baseline
▲ 0.50% · 4.625%
HK$24,504
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,554/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,159
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$732/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$26,109
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,764
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,455
−HK$701/mo
Today · 4.125%
HK$27,156
baseline
▲ 0.50% · 4.625%
HK$28,588
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,312/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,776
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$941/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,926/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,014
−HK$901/mo
Today · 4.125%
HK$34,915
baseline
▲ 0.50% · 4.625%
HK$36,756
+HK$1,841/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,830/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,637 · 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).