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$16,516
−HK$1,036/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$522/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,620
+HK$1,068/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,374
−HK$993/mo
▼ 0.25% · 3.875%
HK$18,867
−HK$500/mo
Today · 4.125%
HK$19,367
baseline
▲ 0.50% · 4.625%
HK$20,388
+HK$1,021/mo
Deposit HK$3.62M · loan HK$3.62M · min. income ≈ HK$38,734/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,820
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$627/mo
Today · 4.125%
HK$21,063
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,281/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,126/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,049
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,641
−HK$600/mo
Today · 4.125%
HK$23,241
baseline
▲ 0.50% · 4.625%
HK$24,466
+HK$1,225/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,482/mo (50% DSR)
Upfront cash ≈ HK$3.11M (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,123
−HK$1,450/mo
▼ 0.25% · 3.875%
HK$23,842
−HK$731/mo
Today · 4.125%
HK$24,573
baseline
▲ 0.50% · 4.625%
HK$26,068
+HK$1,495/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$49,146/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,724
−HK$1,390/mo
▼ 0.25% · 3.875%
HK$26,414
−HK$700/mo
Today · 4.125%
HK$27,114
baseline
▲ 0.50% · 4.625%
HK$28,543
+HK$1,429/mo
Deposit HK$2.17M · loan HK$5.07M · min. income ≈ HK$54,228/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,730
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,654
−HK$940/mo
Today · 4.125%
HK$31,594
baseline
▲ 0.50% · 4.625%
HK$33,516
+HK$1,922/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$63,188/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,074
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,961
−HK$900/mo
Today · 4.125%
HK$34,861
baseline
▲ 0.50% · 4.625%
HK$36,698
+HK$1,837/mo
Deposit HK$724K · loan HK$6.52M · min. income ≈ HK$69,722/mo (50% DSR)
Upfront cash ≈ HK$942K (deposit + AVD stamp duty HK$217,298 · 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).