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$16,585
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$525/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,250/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,450
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,945
−HK$502/mo
Today · 4.125%
HK$19,447
baseline
▲ 0.50% · 4.625%
HK$20,472
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,894/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$629/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,140
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,734
−HK$602/mo
Today · 4.125%
HK$23,336
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,672/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$733/mo
Today · 4.125%
HK$24,674
baseline
▲ 0.50% · 4.625%
HK$26,176
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,348/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,830
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,523
−HK$703/mo
Today · 4.125%
HK$27,226
baseline
▲ 0.50% · 4.625%
HK$28,661
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,452/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,852
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$943/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,931/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$904/mo
Today · 4.125%
HK$35,005
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$1,845/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,010/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,194 · 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).