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$16,540
−HK$1,037/mo
▼ 0.25% · 3.875%
HK$17,055
−HK$522/mo
Today · 4.125%
HK$17,577
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$1,070/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,154/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,401
−HK$994/mo
▼ 0.25% · 3.875%
HK$18,894
−HK$501/mo
Today · 4.125%
HK$19,395
baseline
▲ 0.50% · 4.625%
HK$20,417
+HK$1,022/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,790/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$628/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,376
+HK$1,283/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$601/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,227/mo
Deposit HK$2.90M · loan HK$4.35M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,156
−HK$1,452/mo
▼ 0.25% · 3.875%
HK$23,876
−HK$732/mo
Today · 4.125%
HK$24,608
baseline
▲ 0.50% · 4.625%
HK$26,106
+HK$1,498/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$49,216/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,761
−HK$1,392/mo
▼ 0.25% · 3.875%
HK$26,452
−HK$701/mo
Today · 4.125%
HK$27,153
baseline
▲ 0.50% · 4.625%
HK$28,584
+HK$1,431/mo
Deposit HK$2.18M · loan HK$5.08M · min. income ≈ HK$54,306/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,772
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,698
−HK$941/mo
Today · 4.125%
HK$31,639
baseline
▲ 0.50% · 4.625%
HK$33,564
+HK$1,925/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$63,278/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,121
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,010
−HK$901/mo
Today · 4.125%
HK$34,911
baseline
▲ 0.50% · 4.625%
HK$36,751
+HK$1,840/mo
Deposit HK$725K · loan HK$6.53M · min. income ≈ HK$69,822/mo (50% DSR)
Upfront cash ≈ HK$943K (deposit + AVD stamp duty HK$217,609 · 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).