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$16,573
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$524/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,438
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$502/mo
Today · 4.125%
HK$19,434
baseline
▲ 0.50% · 4.625%
HK$20,458
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,868/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,888
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,507
−HK$628/mo
Today · 4.125%
HK$21,135
baseline
▲ 0.50% · 4.625%
HK$22,421
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,270/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,125
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,719
−HK$602/mo
Today · 4.125%
HK$23,321
baseline
▲ 0.50% · 4.625%
HK$24,550
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,642/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,203
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$734/mo
Today · 4.125%
HK$24,658
baseline
▲ 0.50% · 4.625%
HK$26,158
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,316/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,813
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,505
−HK$702/mo
Today · 4.125%
HK$27,207
baseline
▲ 0.50% · 4.625%
HK$28,641
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,414/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,832
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,760
−HK$943/mo
Today · 4.125%
HK$31,703
baseline
▲ 0.50% · 4.625%
HK$33,632
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,406/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,188
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,078
−HK$903/mo
Today · 4.125%
HK$34,981
baseline
▲ 0.50% · 4.625%
HK$36,825
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,962/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,046 · 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).