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$16,549
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,064
−HK$523/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,657
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,411
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,905
−HK$500/mo
Today · 4.125%
HK$19,405
baseline
▲ 0.50% · 4.625%
HK$20,428
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,810/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$627/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,388
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,093
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,685
−HK$602/mo
Today · 4.125%
HK$23,287
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,574/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,169
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,890
−HK$732/mo
Today · 4.125%
HK$24,622
baseline
▲ 0.50% · 4.625%
HK$26,120
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,244/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,775
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,466
−HK$702/mo
Today · 4.125%
HK$27,168
baseline
▲ 0.50% · 4.625%
HK$28,600
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,336/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,789
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$942/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,139
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$902/mo
Today · 4.125%
HK$34,930
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,860/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,728 · 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).