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$16,515
−HK$1,035/mo
▼ 0.25% · 3.875%
HK$17,028
−HK$522/mo
Today · 4.125%
HK$17,550
baseline
▲ 0.50% · 4.625%
HK$18,618
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,100/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,372
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,865
−HK$500/mo
Today · 4.125%
HK$19,365
baseline
▲ 0.50% · 4.625%
HK$20,386
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,730/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,818
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,434
−HK$626/mo
Today · 4.125%
HK$21,060
baseline
▲ 0.50% · 4.625%
HK$22,342
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,120/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,047
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,638
−HK$600/mo
Today · 4.125%
HK$23,238
baseline
▲ 0.50% · 4.625%
HK$24,463
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,476/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,121
−HK$1,449/mo
▼ 0.25% · 3.875%
HK$23,840
−HK$730/mo
Today · 4.125%
HK$24,570
baseline
▲ 0.50% · 4.625%
HK$26,065
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,140/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,721
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,411
−HK$700/mo
Today · 4.125%
HK$27,111
baseline
▲ 0.50% · 4.625%
HK$28,540
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,222/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,726
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,651
−HK$940/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,513
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,070
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,957
−HK$900/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,694
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,275 · 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).