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$16,550
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,065
−HK$523/mo
Today · 4.125%
HK$17,588
baseline
▲ 0.50% · 4.625%
HK$18,658
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,176/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,412
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,906
−HK$501/mo
Today · 4.125%
HK$19,407
baseline
▲ 0.50% · 4.625%
HK$20,430
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,814/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,860
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,478
−HK$628/mo
Today · 4.125%
HK$21,106
baseline
▲ 0.50% · 4.625%
HK$22,390
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,212/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,094
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,687
−HK$601/mo
Today · 4.125%
HK$23,288
baseline
▲ 0.50% · 4.625%
HK$24,515
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,576/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,170
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,891
−HK$732/mo
Today · 4.125%
HK$24,623
baseline
▲ 0.50% · 4.625%
HK$26,121
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,246/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,777
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,468
−HK$701/mo
Today · 4.125%
HK$27,169
baseline
▲ 0.50% · 4.625%
HK$28,601
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,338/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,790
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$941/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,741 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,030
−HK$902/mo
Today · 4.125%
HK$34,932
baseline
▲ 0.50% · 4.625%
HK$36,773
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,864/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,741 · 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).