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$16,548
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,062
−HK$523/mo
Today · 4.125%
HK$17,585
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,170/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,409
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,903
−HK$501/mo
Today · 4.125%
HK$19,404
baseline
▲ 0.50% · 4.625%
HK$20,427
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,808/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,857
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,475
−HK$627/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,091
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$601/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,512
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,167
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,887
−HK$733/mo
Today · 4.125%
HK$24,620
baseline
▲ 0.50% · 4.625%
HK$26,118
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,240/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,773
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,464
−HK$701/mo
Today · 4.125%
HK$27,165
baseline
▲ 0.50% · 4.625%
HK$28,597
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,330/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,786
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$942/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,580
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,025
−HK$902/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$36,768
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,709 · 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).