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$16,537
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$522/mo
Today · 4.125%
HK$17,574
baseline
▲ 0.50% · 4.625%
HK$18,644
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,148/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,397
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,891
−HK$500/mo
Today · 4.125%
HK$19,391
baseline
▲ 0.50% · 4.625%
HK$20,414
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,782/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,845
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,462
−HK$627/mo
Today · 4.125%
HK$21,089
baseline
▲ 0.50% · 4.625%
HK$22,372
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,178/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,077
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,669
−HK$601/mo
Today · 4.125%
HK$23,270
baseline
▲ 0.50% · 4.625%
HK$24,496
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,540/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,152
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,872
−HK$732/mo
Today · 4.125%
HK$24,604
baseline
▲ 0.50% · 4.625%
HK$26,101
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,208/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,756
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,447
−HK$701/mo
Today · 4.125%
HK$27,148
baseline
▲ 0.50% · 4.625%
HK$28,579
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,296/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,767
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,693
−HK$941/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,558
+HK$1,924/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,115
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$901/mo
Today · 4.125%
HK$34,905
baseline
▲ 0.50% · 4.625%
HK$36,744
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,810/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,571 · 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).