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$16,544
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$523/mo
Today · 4.125%
HK$17,582
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,164/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,899
−HK$501/mo
Today · 4.125%
HK$19,400
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,800/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,853
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$627/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,087
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$601/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,162
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,883
−HK$732/mo
Today · 4.125%
HK$24,615
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,230/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,768
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,459
−HK$701/mo
Today · 4.125%
HK$27,160
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,320/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,780
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$941/mo
Today · 4.125%
HK$31,647
baseline
▲ 0.50% · 4.625%
HK$33,573
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,294/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,130
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,018
−HK$902/mo
Today · 4.125%
HK$34,920
baseline
▲ 0.50% · 4.625%
HK$36,760
+HK$1,840/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,840/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,665 · 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).