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$16,521
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$523/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,625
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,379
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,872
−HK$500/mo
Today · 4.125%
HK$19,372
baseline
▲ 0.50% · 4.625%
HK$20,393
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,744/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$627/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,646
−HK$600/mo
Today · 4.125%
HK$23,246
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,492/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,129
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,848
−HK$731/mo
Today · 4.125%
HK$24,579
baseline
▲ 0.50% · 4.625%
HK$26,075
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,158/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,731
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,421
−HK$700/mo
Today · 4.125%
HK$27,121
baseline
▲ 0.50% · 4.625%
HK$28,550
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,242/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,737
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$940/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,923/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,082
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,969
−HK$901/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,352 · 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).