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$16,520
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$522/mo
Today · 4.125%
HK$17,556
baseline
▲ 0.50% · 4.625%
HK$18,624
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,112/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,378
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,871
−HK$500/mo
Today · 4.125%
HK$19,371
baseline
▲ 0.50% · 4.625%
HK$20,392
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,742/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,824
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,441
−HK$626/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,349
+HK$1,282/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,054
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$600/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,471
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,128
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,847
−HK$731/mo
Today · 4.125%
HK$24,578
baseline
▲ 0.50% · 4.625%
HK$26,074
+HK$1,496/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,156/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,730
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,420
−HK$700/mo
Today · 4.125%
HK$27,120
baseline
▲ 0.50% · 4.625%
HK$28,549
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,240/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,736
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$940/mo
Today · 4.125%
HK$31,601
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,202/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,081
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$900/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$1,838/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,343 · 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).