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$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,377
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,870
−HK$500/mo
Today · 4.125%
HK$19,370
baseline
▲ 0.50% · 4.625%
HK$20,391
+HK$1,021/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$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,439
−HK$627/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$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$600/mo
Today · 4.125%
HK$23,244
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,488/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,126
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,846
−HK$731/mo
Today · 4.125%
HK$24,577
baseline
▲ 0.50% · 4.625%
HK$26,072
+HK$1,495/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$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,728
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,418
−HK$700/mo
Today · 4.125%
HK$27,118
baseline
▲ 0.50% · 4.625%
HK$28,547
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,236/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,734
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$940/mo
Today · 4.125%
HK$31,599
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,922/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$217,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$900/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,330 · 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).