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$16,535
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$523/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$501/mo
Today · 4.125%
HK$19,389
baseline
▲ 0.50% · 4.625%
HK$20,411
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,778/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,459
−HK$627/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$600/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,149
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,869
−HK$731/mo
Today · 4.125%
HK$24,600
baseline
▲ 0.50% · 4.625%
HK$26,097
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,200/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,753
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$701/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,575
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,288/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,763
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$941/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,924/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,111
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$900/mo
Today · 4.125%
HK$34,899
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$1,840/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,798/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,539 · 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).