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$16,553
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$523/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,415
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,909
−HK$501/mo
Today · 4.125%
HK$19,410
baseline
▲ 0.50% · 4.625%
HK$20,433
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,820/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$627/mo
Today · 4.125%
HK$21,109
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,218/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$601/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,174
−HK$1,454/mo
▼ 0.25% · 3.875%
HK$23,895
−HK$733/mo
Today · 4.125%
HK$24,628
baseline
▲ 0.50% · 4.625%
HK$26,126
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,256/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,781
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,473
−HK$701/mo
Today · 4.125%
HK$27,174
baseline
▲ 0.50% · 4.625%
HK$28,607
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,348/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,796
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,722
−HK$942/mo
Today · 4.125%
HK$31,664
baseline
▲ 0.50% · 4.625%
HK$33,591
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,328/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,147
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,036
−HK$902/mo
Today · 4.125%
HK$34,938
baseline
▲ 0.50% · 4.625%
HK$36,780
+HK$1,842/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,876/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,780 · 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).