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$16,606
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,123
−HK$524/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,721
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,474
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,970
−HK$502/mo
Today · 4.125%
HK$19,472
baseline
▲ 0.50% · 4.625%
HK$20,499
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,944/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,927
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,547
−HK$630/mo
Today · 4.125%
HK$21,177
baseline
▲ 0.50% · 4.625%
HK$22,465
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,354/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,169
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,763
−HK$604/mo
Today · 4.125%
HK$23,367
baseline
▲ 0.50% · 4.625%
HK$24,598
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,734/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,248
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,972
−HK$734/mo
Today · 4.125%
HK$24,706
baseline
▲ 0.50% · 4.625%
HK$26,210
+HK$1,504/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,412/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,864
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,557
−HK$704/mo
Today · 4.125%
HK$27,261
baseline
▲ 0.50% · 4.625%
HK$28,698
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,522/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,891
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,821
−HK$944/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,698
+HK$1,933/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,253
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,145
−HK$905/mo
Today · 4.125%
HK$35,050
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,100/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,476 · 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).