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$16,552
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,066
−HK$524/mo
Today · 4.125%
HK$17,590
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,180/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,414
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,907
−HK$501/mo
Today · 4.125%
HK$19,408
baseline
▲ 0.50% · 4.625%
HK$20,431
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,816/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,862
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$627/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,392
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,096
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,689
−HK$601/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,518
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,172
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,893
−HK$732/mo
Today · 4.125%
HK$24,625
baseline
▲ 0.50% · 4.625%
HK$26,124
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,250/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,779
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,470
−HK$702/mo
Today · 4.125%
HK$27,172
baseline
▲ 0.50% · 4.625%
HK$28,604
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,344/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,793
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,720
−HK$941/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,588
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$902/mo
Today · 4.125%
HK$34,935
baseline
▲ 0.50% · 4.625%
HK$36,777
+HK$1,842/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,870/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,761 · 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).