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$16,559
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,074
−HK$523/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,916
−HK$501/mo
Today · 4.125%
HK$19,417
baseline
▲ 0.50% · 4.625%
HK$20,440
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,834/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,871
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$628/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$601/mo
Today · 4.125%
HK$23,300
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,600/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$733/mo
Today · 4.125%
HK$24,636
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,272/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,482
−HK$701/mo
Today · 4.125%
HK$27,183
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,366/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,806
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,733
−HK$942/mo
Today · 4.125%
HK$31,675
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,927/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,350/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,159
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,048
−HK$902/mo
Today · 4.125%
HK$34,950
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$1,842/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,900/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,855 · 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).