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$16,566
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$523/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,430
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,924
−HK$502/mo
Today · 4.125%
HK$19,426
baseline
▲ 0.50% · 4.625%
HK$20,450
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,852/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,880
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,498
−HK$628/mo
Today · 4.125%
HK$21,126
baseline
▲ 0.50% · 4.625%
HK$22,412
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,252/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,116
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,709
−HK$602/mo
Today · 4.125%
HK$23,311
baseline
▲ 0.50% · 4.625%
HK$24,540
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,622/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,193
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,915
−HK$732/mo
Today · 4.125%
HK$24,647
baseline
▲ 0.50% · 4.625%
HK$26,147
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,294/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,802
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,494
−HK$702/mo
Today · 4.125%
HK$27,196
baseline
▲ 0.50% · 4.625%
HK$28,630
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,392/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,820
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,747
−HK$943/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,618
+HK$1,928/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,064
−HK$902/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$1,843/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,956 · 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).