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$16,534
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,048
−HK$523/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$1,069/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,394
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,887
−HK$501/mo
Today · 4.125%
HK$19,388
baseline
▲ 0.50% · 4.625%
HK$20,410
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,776/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$627/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,073
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$600/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,491
+HK$1,226/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,148
−HK$1,451/mo
▼ 0.25% · 3.875%
HK$23,868
−HK$731/mo
Today · 4.125%
HK$24,599
baseline
▲ 0.50% · 4.625%
HK$26,096
+HK$1,497/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,198/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,751
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,442
−HK$701/mo
Today · 4.125%
HK$27,143
baseline
▲ 0.50% · 4.625%
HK$28,573
+HK$1,430/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,286/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,761
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,687
−HK$940/mo
Today · 4.125%
HK$31,627
baseline
▲ 0.50% · 4.625%
HK$33,552
+HK$1,925/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,254/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,109
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$901/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$36,737
+HK$1,839/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,528 · 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).