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$16,602
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,119
−HK$524/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,717
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,470
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$503/mo
Today · 4.125%
HK$19,468
baseline
▲ 0.50% · 4.625%
HK$20,494
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,936/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,923
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$630/mo
Today · 4.125%
HK$21,172
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,344/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,164
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,593
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,243
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,966
−HK$735/mo
Today · 4.125%
HK$24,701
baseline
▲ 0.50% · 4.625%
HK$26,204
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,402/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,858
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,551
−HK$704/mo
Today · 4.125%
HK$27,255
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,510/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,884
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,814
−HK$944/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,516/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,427 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$905/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$36,889
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,427 · 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).