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$1,036/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$522/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,636
+HK$1,069/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,390
−HK$994/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$217,486 · 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$217,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,068
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,660
−HK$601/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$217,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,143
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,863
−HK$731/mo
Today · 4.125%
HK$24,594
baseline
▲ 0.50% · 4.625%
HK$26,091
+HK$1,497/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,188/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,746
−HK$1,391/mo
▼ 0.25% · 3.875%
HK$26,437
−HK$700/mo
Today · 4.125%
HK$27,137
baseline
▲ 0.50% · 4.625%
HK$28,568
+HK$1,431/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,274/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,755
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$940/mo
Today · 4.125%
HK$31,621
baseline
▲ 0.50% · 4.625%
HK$33,545
+HK$1,924/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$63,242/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,990
−HK$901/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$1,839/mo
Deposit HK$725K · loan HK$6.52M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,486 · 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).