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$16,567
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,083
−HK$523/mo
Today · 4.125%
HK$17,606
baseline
▲ 0.50% · 4.625%
HK$18,677
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,212/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,431
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,925
−HK$502/mo
Today · 4.125%
HK$19,427
baseline
▲ 0.50% · 4.625%
HK$20,451
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,854/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,499
−HK$628/mo
Today · 4.125%
HK$21,127
baseline
▲ 0.50% · 4.625%
HK$22,413
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,254/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,117
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,710
−HK$602/mo
Today · 4.125%
HK$23,312
baseline
▲ 0.50% · 4.625%
HK$24,541
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,624/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,194
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,916
−HK$733/mo
Today · 4.125%
HK$24,649
baseline
▲ 0.50% · 4.625%
HK$26,148
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,298/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,803
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,495
−HK$702/mo
Today · 4.125%
HK$27,197
baseline
▲ 0.50% · 4.625%
HK$28,631
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,394/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,821
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$942/mo
Today · 4.125%
HK$31,691
baseline
▲ 0.50% · 4.625%
HK$33,619
+HK$1,928/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,382/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,176
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,065
−HK$903/mo
Today · 4.125%
HK$34,968
baseline
▲ 0.50% · 4.625%
HK$36,811
+HK$1,843/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,936/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,966 · 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).