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$16,528
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,042
−HK$522/mo
Today · 4.125%
HK$17,564
baseline
▲ 0.50% · 4.625%
HK$18,633
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,128/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,387
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,880
−HK$501/mo
Today · 4.125%
HK$19,381
baseline
▲ 0.50% · 4.625%
HK$20,402
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,762/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,834
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,451
−HK$626/mo
Today · 4.125%
HK$21,077
baseline
▲ 0.50% · 4.625%
HK$22,360
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,154/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,065
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,656
−HK$601/mo
Today · 4.125%
HK$23,257
baseline
▲ 0.50% · 4.625%
HK$24,483
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,514/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,139
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,859
−HK$731/mo
Today · 4.125%
HK$24,590
baseline
▲ 0.50% · 4.625%
HK$26,086
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,180/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,742
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,432
−HK$701/mo
Today · 4.125%
HK$27,133
baseline
▲ 0.50% · 4.625%
HK$28,563
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,266/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,750
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$940/mo
Today · 4.125%
HK$31,616
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,232/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,097
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$900/mo
Today · 4.125%
HK$34,885
baseline
▲ 0.50% · 4.625%
HK$36,724
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,770/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,450 · 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).