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$16,519
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,033
−HK$522/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,623
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$992/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$500/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,022/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,740/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,440
−HK$626/mo
Today · 4.125%
HK$21,066
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,132/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$600/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,470
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,127
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$731/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$26,073
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,154/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,729
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,419
−HK$700/mo
Today · 4.125%
HK$27,119
baseline
▲ 0.50% · 4.625%
HK$28,548
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,238/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,735
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$939/mo
Today · 4.125%
HK$31,599
baseline
▲ 0.50% · 4.625%
HK$33,522
+HK$1,923/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,198/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,080
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,967
−HK$900/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,336 · 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).