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$16,525
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,039
−HK$522/mo
Today · 4.125%
HK$17,561
baseline
▲ 0.50% · 4.625%
HK$18,629
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,122/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,383
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,876
−HK$501/mo
Today · 4.125%
HK$19,377
baseline
▲ 0.50% · 4.625%
HK$20,398
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,754/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,829
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,446
−HK$627/mo
Today · 4.125%
HK$21,073
baseline
▲ 0.50% · 4.625%
HK$22,355
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,146/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,060
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,652
−HK$600/mo
Today · 4.125%
HK$23,252
baseline
▲ 0.50% · 4.625%
HK$24,478
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,504/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,134
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,854
−HK$731/mo
Today · 4.125%
HK$24,585
baseline
▲ 0.50% · 4.625%
HK$26,081
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,170/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,737
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,427
−HK$700/mo
Today · 4.125%
HK$27,127
baseline
▲ 0.50% · 4.625%
HK$28,557
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,254/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,744
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,669
−HK$940/mo
Today · 4.125%
HK$31,609
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,218/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,090
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$900/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$1,838/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,404 · 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).