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$16,516
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$522/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$500/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,819
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$626/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,049
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$600/mo
Today · 4.125%
HK$23,240
baseline
▲ 0.50% · 4.625%
HK$24,465
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,480/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,842
−HK$731/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$26,068
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,389/mo
▼ 0.25% · 3.875%
HK$26,413
−HK$700/mo
Today · 4.125%
HK$27,113
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,226/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,729
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,654
−HK$939/mo
Today · 4.125%
HK$31,593
baseline
▲ 0.50% · 4.625%
HK$33,516
+HK$1,923/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,186/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,073
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$900/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,293 · 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).