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$16,518
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,032
−HK$522/mo
Today · 4.125%
HK$17,554
baseline
▲ 0.50% · 4.625%
HK$18,622
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,108/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,376
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,869
−HK$500/mo
Today · 4.125%
HK$19,369
baseline
▲ 0.50% · 4.625%
HK$20,390
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,738/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,822
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,438
−HK$627/mo
Today · 4.125%
HK$21,065
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,130/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,643
−HK$600/mo
Today · 4.125%
HK$23,243
baseline
▲ 0.50% · 4.625%
HK$24,468
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,486/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,125
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,845
−HK$731/mo
Today · 4.125%
HK$24,576
baseline
▲ 0.50% · 4.625%
HK$26,071
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,152/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,727
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,417
−HK$700/mo
Today · 4.125%
HK$27,117
baseline
▲ 0.50% · 4.625%
HK$28,546
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,234/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,733
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,658
−HK$939/mo
Today · 4.125%
HK$31,597
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,923/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,194/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,077
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,964
−HK$900/mo
Today · 4.125%
HK$34,864
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,728/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,320 · 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).