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$16,630
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$526/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$503/mo
Today · 4.125%
HK$19,500
baseline
▲ 0.50% · 4.625%
HK$20,528
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,000/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,956
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,577
−HK$630/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,201
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,796
−HK$604/mo
Today · 4.125%
HK$23,400
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,800/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,282
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,006
−HK$736/mo
Today · 4.125%
HK$24,742
baseline
▲ 0.50% · 4.625%
HK$26,247
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,484/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,901
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$705/mo
Today · 4.125%
HK$27,300
baseline
▲ 0.50% · 4.625%
HK$28,739
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,600/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,934
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,865
−HK$946/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,746
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,789 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,194
−HK$906/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,200/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,789 · 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).