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$16,546
−HK$1,038/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$523/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,407
−HK$995/mo
▼ 0.25% · 3.875%
HK$18,901
−HK$501/mo
Today · 4.125%
HK$19,402
baseline
▲ 0.50% · 4.625%
HK$20,425
+HK$1,023/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,804/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,855
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,473
−HK$627/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,384
+HK$1,284/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,089
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$601/mo
Today · 4.125%
HK$23,282
baseline
▲ 0.50% · 4.625%
HK$24,510
+HK$1,228/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,564/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,165
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,885
−HK$732/mo
Today · 4.125%
HK$24,617
baseline
▲ 0.50% · 4.625%
HK$26,115
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,234/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,770
−HK$1,393/mo
▼ 0.25% · 3.875%
HK$26,462
−HK$701/mo
Today · 4.125%
HK$27,163
baseline
▲ 0.50% · 4.625%
HK$28,594
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,326/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,783
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$942/mo
Today · 4.125%
HK$31,651
baseline
▲ 0.50% · 4.625%
HK$33,577
+HK$1,926/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$63,302/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$901/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$1,841/mo
Deposit HK$726K · loan HK$6.53M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,688 · 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).