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$16,582
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$524/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,447
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,942
−HK$502/mo
Today · 4.125%
HK$19,444
baseline
▲ 0.50% · 4.625%
HK$20,469
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,888/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,898
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,517
−HK$629/mo
Today · 4.125%
HK$21,146
baseline
▲ 0.50% · 4.625%
HK$22,433
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,292/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,137
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,730
−HK$603/mo
Today · 4.125%
HK$23,333
baseline
▲ 0.50% · 4.625%
HK$24,563
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,666/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,215
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,937
−HK$733/mo
Today · 4.125%
HK$24,670
baseline
▲ 0.50% · 4.625%
HK$26,172
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,340/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,826
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,519
−HK$702/mo
Today · 4.125%
HK$27,221
baseline
▲ 0.50% · 4.625%
HK$28,656
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,442/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,847
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$943/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,930/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$903/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$1,845/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,159 · 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).