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$16,539
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,054
−HK$523/mo
Today · 4.125%
HK$17,577
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,154/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,400
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,893
−HK$501/mo
Today · 4.125%
HK$19,394
baseline
▲ 0.50% · 4.625%
HK$20,416
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,788/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,847
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$627/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,375
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$601/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,499
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,155
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,875
−HK$732/mo
Today · 4.125%
HK$24,607
baseline
▲ 0.50% · 4.625%
HK$26,104
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,214/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,760
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,451
−HK$701/mo
Today · 4.125%
HK$27,152
baseline
▲ 0.50% · 4.625%
HK$28,583
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,304/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,771
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,697
−HK$941/mo
Today · 4.125%
HK$31,638
baseline
▲ 0.50% · 4.625%
HK$33,563
+HK$1,925/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,276/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,120
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,008
−HK$901/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$36,749
+HK$1,840/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,599 · 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).