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$16,570
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,085
−HK$524/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,680
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,433
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$501/mo
Today · 4.125%
HK$19,429
baseline
▲ 0.50% · 4.625%
HK$20,453
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,858/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,883
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,502
−HK$628/mo
Today · 4.125%
HK$21,130
baseline
▲ 0.50% · 4.625%
HK$22,416
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,260/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,120
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,713
−HK$602/mo
Today · 4.125%
HK$23,315
baseline
▲ 0.50% · 4.625%
HK$24,544
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,630/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,197
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,919
−HK$733/mo
Today · 4.125%
HK$24,652
baseline
▲ 0.50% · 4.625%
HK$26,152
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,304/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,807
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,499
−HK$702/mo
Today · 4.125%
HK$27,201
baseline
▲ 0.50% · 4.625%
HK$28,635
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,402/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,825
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,753
−HK$942/mo
Today · 4.125%
HK$31,695
baseline
▲ 0.50% · 4.625%
HK$33,624
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,390/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,180
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,070
−HK$903/mo
Today · 4.125%
HK$34,973
baseline
▲ 0.50% · 4.625%
HK$36,816
+HK$1,843/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,946/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$217,996 · 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).