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$16,576
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,091
−HK$524/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,687
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,230/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,440
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,935
−HK$501/mo
Today · 4.125%
HK$19,436
baseline
▲ 0.50% · 4.625%
HK$20,461
+HK$1,025/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,872/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,891
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,509
−HK$629/mo
Today · 4.125%
HK$21,138
baseline
▲ 0.50% · 4.625%
HK$22,424
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,276/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,128
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,722
−HK$602/mo
Today · 4.125%
HK$23,324
baseline
▲ 0.50% · 4.625%
HK$24,553
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,648/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,206
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,928
−HK$733/mo
Today · 4.125%
HK$24,661
baseline
▲ 0.50% · 4.625%
HK$26,161
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,322/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,816
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,508
−HK$703/mo
Today · 4.125%
HK$27,211
baseline
▲ 0.50% · 4.625%
HK$28,645
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,422/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,836
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$943/mo
Today · 4.125%
HK$31,707
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,414/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$903/mo
Today · 4.125%
HK$34,985
baseline
▲ 0.50% · 4.625%
HK$36,830
+HK$1,845/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,970/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,075 · 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).