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$16,609
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$525/mo
Today · 4.125%
HK$17,650
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,300/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,477
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,972
−HK$503/mo
Today · 4.125%
HK$19,475
baseline
▲ 0.50% · 4.625%
HK$20,502
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,950/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,930
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,550
−HK$630/mo
Today · 4.125%
HK$21,180
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,360/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,172
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,767
−HK$603/mo
Today · 4.125%
HK$23,370
baseline
▲ 0.50% · 4.625%
HK$24,602
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,740/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,252
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,975
−HK$735/mo
Today · 4.125%
HK$24,710
baseline
▲ 0.50% · 4.625%
HK$26,214
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,420/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,868
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,561
−HK$704/mo
Today · 4.125%
HK$27,265
baseline
▲ 0.50% · 4.625%
HK$28,702
+HK$1,437/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,530/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,895
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,825
−HK$945/mo
Today · 4.125%
HK$31,770
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,933/mo
Deposit HK$728K · loan HK$6.56M · min. income ≈ HK$63,540/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,258
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$905/mo
Today · 4.125%
HK$35,055
baseline
▲ 0.50% · 4.625%
HK$36,903
+HK$1,848/mo
Deposit HK$728K · loan HK$6.56M · min. income ≈ HK$70,110/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,510 · 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).