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$1,037/mo
▼ 0.25% · 3.875%
HK$17,058
−HK$523/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,651
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,405
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,898
−HK$501/mo
Today · 4.125%
HK$19,399
baseline
▲ 0.50% · 4.625%
HK$20,422
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,798/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,853
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,470
−HK$628/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,381
+HK$1,283/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$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,678
−HK$601/mo
Today · 4.125%
HK$23,279
baseline
▲ 0.50% · 4.625%
HK$24,506
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,558/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,161
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,882
−HK$732/mo
Today · 4.125%
HK$24,614
baseline
▲ 0.50% · 4.625%
HK$26,112
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,228/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,767
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,458
−HK$701/mo
Today · 4.125%
HK$27,159
baseline
▲ 0.50% · 4.625%
HK$28,591
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,318/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,779
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,705
−HK$941/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,129
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,017
−HK$902/mo
Today · 4.125%
HK$34,919
baseline
▲ 0.50% · 4.625%
HK$36,759
+HK$1,840/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,838/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,658 · 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).