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$16,532
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,046
−HK$522/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,637
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,391
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$501/mo
Today · 4.125%
HK$19,385
baseline
▲ 0.50% · 4.625%
HK$20,407
+HK$1,022/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,770/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,838
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,455
−HK$627/mo
Today · 4.125%
HK$21,082
baseline
▲ 0.50% · 4.625%
HK$22,365
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,164/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$601/mo
Today · 4.125%
HK$23,262
baseline
▲ 0.50% · 4.625%
HK$24,488
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,524/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,864
−HK$732/mo
Today · 4.125%
HK$24,596
baseline
▲ 0.50% · 4.625%
HK$26,092
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,192/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,748
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,438
−HK$701/mo
Today · 4.125%
HK$27,139
baseline
▲ 0.50% · 4.625%
HK$28,569
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,278/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,757
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$941/mo
Today · 4.125%
HK$31,623
baseline
▲ 0.50% · 4.625%
HK$33,547
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,246/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,104
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,992
−HK$901/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$36,732
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,497 · 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).