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$16,536
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,050
−HK$523/mo
Today · 4.125%
HK$17,573
baseline
▲ 0.50% · 4.625%
HK$18,642
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,146/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,396
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,889
−HK$501/mo
Today · 4.125%
HK$19,390
baseline
▲ 0.50% · 4.625%
HK$20,412
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,780/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,843
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$627/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$601/mo
Today · 4.125%
HK$23,268
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,536/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,150
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,870
−HK$732/mo
Today · 4.125%
HK$24,602
baseline
▲ 0.50% · 4.625%
HK$26,099
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,204/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,754
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,445
−HK$700/mo
Today · 4.125%
HK$27,145
baseline
▲ 0.50% · 4.625%
HK$28,576
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,290/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,764
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$941/mo
Today · 4.125%
HK$31,631
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,924/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,262/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$901/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$1,840/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,551 · 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).