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$1,036/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$522/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,395
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,888
−HK$500/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,245/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$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,073
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$601/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,226/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$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$732/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$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,752
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,443
−HK$701/mo
Today · 4.125%
HK$27,144
baseline
▲ 0.50% · 4.625%
HK$28,574
+HK$1,430/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$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,762
−HK$1,867/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$217,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$901/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$217,536 · 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).