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$16,552
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,067
−HK$523/mo
Today · 4.125%
HK$17,590
baseline
▲ 0.50% · 4.625%
HK$18,660
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,180/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,414
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,908
−HK$501/mo
Today · 4.125%
HK$19,409
baseline
▲ 0.50% · 4.625%
HK$20,432
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,818/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,480
−HK$628/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,393
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,097
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$601/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,173
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,894
−HK$732/mo
Today · 4.125%
HK$24,626
baseline
▲ 0.50% · 4.625%
HK$26,125
+HK$1,499/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,252/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,780
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,471
−HK$702/mo
Today · 4.125%
HK$27,173
baseline
▲ 0.50% · 4.625%
HK$28,605
+HK$1,432/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,346/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,794
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,721
−HK$941/mo
Today · 4.125%
HK$31,662
baseline
▲ 0.50% · 4.625%
HK$33,589
+HK$1,927/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,324/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,145
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,034
−HK$902/mo
Today · 4.125%
HK$34,936
baseline
▲ 0.50% · 4.625%
HK$36,778
+HK$1,842/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,872/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,768 · 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).