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$16,526
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$522/mo
Today · 4.125%
HK$17,562
baseline
▲ 0.50% · 4.625%
HK$18,630
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,124/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,384
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,878
−HK$500/mo
Today · 4.125%
HK$19,378
baseline
▲ 0.50% · 4.625%
HK$20,399
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,756/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,831
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$627/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,357
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$600/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,479
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,136
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,855
−HK$732/mo
Today · 4.125%
HK$24,587
baseline
▲ 0.50% · 4.625%
HK$26,083
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,174/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,738
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,429
−HK$700/mo
Today · 4.125%
HK$27,129
baseline
▲ 0.50% · 4.625%
HK$28,559
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,258/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,746
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$940/mo
Today · 4.125%
HK$31,611
baseline
▲ 0.50% · 4.625%
HK$33,535
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,222/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,092
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,980
−HK$900/mo
Today · 4.125%
HK$34,880
baseline
▲ 0.50% · 4.625%
HK$36,719
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,760/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,417 · 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).