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$16,535
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,050
−HK$522/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,642
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,889
−HK$500/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$627/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$600/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$731/mo
Today · 4.125%
HK$24,601
baseline
▲ 0.50% · 4.625%
HK$26,098
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,202/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,444
−HK$701/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,576
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$940/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,925/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$901/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$36,740
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,547 · 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).