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$16,542
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,056
−HK$523/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,649
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,402
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,896
−HK$501/mo
Today · 4.125%
HK$19,397
baseline
▲ 0.50% · 4.625%
HK$20,419
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,794/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,850
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,467
−HK$628/mo
Today · 4.125%
HK$21,095
baseline
▲ 0.50% · 4.625%
HK$22,378
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,190/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,083
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,675
−HK$601/mo
Today · 4.125%
HK$23,276
baseline
▲ 0.50% · 4.625%
HK$24,503
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,552/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,158
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,879
−HK$732/mo
Today · 4.125%
HK$24,611
baseline
▲ 0.50% · 4.625%
HK$26,108
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,222/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,763
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,454
−HK$701/mo
Today · 4.125%
HK$27,155
baseline
▲ 0.50% · 4.625%
HK$28,587
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,310/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,775
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$941/mo
Today · 4.125%
HK$31,642
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,926/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,284/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$901/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$1,840/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,630 · 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).