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$16,557
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$524/mo
Today · 4.125%
HK$17,596
baseline
▲ 0.50% · 4.625%
HK$18,666
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,192/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,420
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,914
−HK$501/mo
Today · 4.125%
HK$19,415
baseline
▲ 0.50% · 4.625%
HK$20,438
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,830/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,869
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,487
−HK$628/mo
Today · 4.125%
HK$21,115
baseline
▲ 0.50% · 4.625%
HK$22,399
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,230/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,104
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,697
−HK$601/mo
Today · 4.125%
HK$23,298
baseline
▲ 0.50% · 4.625%
HK$24,526
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,596/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,180
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,901
−HK$733/mo
Today · 4.125%
HK$24,634
baseline
▲ 0.50% · 4.625%
HK$26,133
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,268/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,788
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,479
−HK$702/mo
Today · 4.125%
HK$27,181
baseline
▲ 0.50% · 4.625%
HK$28,614
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,362/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,803
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$942/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,599
+HK$1,927/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,045
−HK$902/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$1,842/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,835 · 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).