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$16,611
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,128
−HK$525/mo
Today · 4.125%
HK$17,653
baseline
▲ 0.50% · 4.625%
HK$18,727
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,306/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,480
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,975
−HK$503/mo
Today · 4.125%
HK$19,478
baseline
▲ 0.50% · 4.625%
HK$20,505
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,956/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,933
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,554
−HK$629/mo
Today · 4.125%
HK$21,183
baseline
▲ 0.50% · 4.625%
HK$22,472
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,366/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,176
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,771
−HK$603/mo
Today · 4.125%
HK$23,374
baseline
▲ 0.50% · 4.625%
HK$24,606
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,748/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,256
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,979
−HK$735/mo
Today · 4.125%
HK$24,714
baseline
▲ 0.50% · 4.625%
HK$26,218
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,428/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,872
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,566
−HK$704/mo
Today · 4.125%
HK$27,270
baseline
▲ 0.50% · 4.625%
HK$28,707
+HK$1,437/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,540/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,900
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$945/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,934/mo
Deposit HK$728K · loan HK$6.56M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,264
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$905/mo
Today · 4.125%
HK$35,061
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$1,848/mo
Deposit HK$728K · loan HK$6.56M · min. income ≈ HK$70,122/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,545 · 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).