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$16,531
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$523/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$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,391
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,884
−HK$500/mo
Today · 4.125%
HK$19,384
baseline
▲ 0.50% · 4.625%
HK$20,406
+HK$1,022/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,768/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$627/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$600/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,144
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$732/mo
Today · 4.125%
HK$24,595
baseline
▲ 0.50% · 4.625%
HK$26,091
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,190/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,747
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$701/mo
Today · 4.125%
HK$27,138
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,430/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,276/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,756
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,682
−HK$940/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,546
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,490 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$901/mo
Today · 4.125%
HK$34,892
baseline
▲ 0.50% · 4.625%
HK$36,731
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,784/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,490 · 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).