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$16,593
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,109
−HK$525/mo
Today · 4.125%
HK$17,634
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,268/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,460
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,955
−HK$502/mo
Today · 4.125%
HK$19,457
baseline
▲ 0.50% · 4.625%
HK$20,483
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,914/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,912
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,531
−HK$629/mo
Today · 4.125%
HK$21,160
baseline
▲ 0.50% · 4.625%
HK$22,448
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,320/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,152
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,746
−HK$603/mo
Today · 4.125%
HK$23,349
baseline
▲ 0.50% · 4.625%
HK$24,579
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,698/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,230
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,953
−HK$734/mo
Today · 4.125%
HK$24,687
baseline
▲ 0.50% · 4.625%
HK$26,189
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,374/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,844
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,537
−HK$703/mo
Today · 4.125%
HK$27,240
baseline
▲ 0.50% · 4.625%
HK$28,676
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,480/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,868
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$944/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,672
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$904/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$36,869
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,308 · 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).