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$16,532
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$523/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,638
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,392
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,885
−HK$500/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,365
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,070
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,662
−HK$601/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,145
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,865
−HK$731/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$26,093
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,749
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,439
−HK$701/mo
Today · 4.125%
HK$27,140
baseline
▲ 0.50% · 4.625%
HK$28,570
+HK$1,430/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,280/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,758
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,683
−HK$941/mo
Today · 4.125%
HK$31,624
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,924/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,248/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,105
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$901/mo
Today · 4.125%
HK$34,894
baseline
▲ 0.50% · 4.625%
HK$36,733
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,788/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,504 · 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).