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$16,558
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$524/mo
Today · 4.125%
HK$17,597
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,194/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,421
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,915
−HK$501/mo
Today · 4.125%
HK$19,416
baseline
▲ 0.50% · 4.625%
HK$20,440
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,832/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,870
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,488
−HK$628/mo
Today · 4.125%
HK$21,116
baseline
▲ 0.50% · 4.625%
HK$22,401
+HK$1,285/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$42,232/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,105
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,698
−HK$602/mo
Today · 4.125%
HK$23,300
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.36M · min. income ≈ HK$46,600/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,182
−HK$1,453/mo
▼ 0.25% · 3.875%
HK$23,903
−HK$732/mo
Today · 4.125%
HK$24,635
baseline
▲ 0.50% · 4.625%
HK$26,135
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,270/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,790
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,481
−HK$702/mo
Today · 4.125%
HK$27,183
baseline
▲ 0.50% · 4.625%
HK$28,616
+HK$1,433/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,366/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,805
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$942/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,602
+HK$1,928/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,158
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,047
−HK$902/mo
Today · 4.125%
HK$34,949
baseline
▲ 0.50% · 4.625%
HK$36,792
+HK$1,843/mo
Deposit HK$726K · loan HK$6.54M · min. income ≈ HK$69,898/mo (50% DSR)
Upfront cash ≈ HK$944K (deposit + AVD stamp duty HK$217,850 · 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).