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$16,562
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$523/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,200/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,425
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,919
−HK$501/mo
Today · 4.125%
HK$19,420
baseline
▲ 0.50% · 4.625%
HK$20,444
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,840/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,874
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,492
−HK$628/mo
Today · 4.125%
HK$21,120
baseline
▲ 0.50% · 4.625%
HK$22,406
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,240/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,110
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,703
−HK$601/mo
Today · 4.125%
HK$23,304
baseline
▲ 0.50% · 4.625%
HK$24,533
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,608/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,186
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,908
−HK$732/mo
Today · 4.125%
HK$24,640
baseline
▲ 0.50% · 4.625%
HK$26,140
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,280/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,795
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,487
−HK$701/mo
Today · 4.125%
HK$27,188
baseline
▲ 0.50% · 4.625%
HK$28,621
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,376/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,811
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,738
−HK$943/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,608
+HK$1,927/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,054
−HK$902/mo
Today · 4.125%
HK$34,956
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$1,843/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,912/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,894 · 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).