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$16,568
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$524/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,678
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,432
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,926
−HK$502/mo
Today · 4.125%
HK$19,428
baseline
▲ 0.50% · 4.625%
HK$20,452
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,856/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,882
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,500
−HK$629/mo
Today · 4.125%
HK$21,129
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,285/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,258/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$602/mo
Today · 4.125%
HK$23,313
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,626/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,195
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,917
−HK$733/mo
Today · 4.125%
HK$24,650
baseline
▲ 0.50% · 4.625%
HK$26,150
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,300/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,805
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,497
−HK$702/mo
Today · 4.125%
HK$27,199
baseline
▲ 0.50% · 4.625%
HK$28,632
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,398/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,823
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$943/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,621
+HK$1,928/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,067
−HK$903/mo
Today · 4.125%
HK$34,970
baseline
▲ 0.50% · 4.625%
HK$36,813
+HK$1,843/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,940/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,978 · 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).