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$16,570
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,085
−HK$524/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,434
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,928
−HK$502/mo
Today · 4.125%
HK$19,430
baseline
▲ 0.50% · 4.625%
HK$20,454
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,860/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,884
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,503
−HK$628/mo
Today · 4.125%
HK$21,131
baseline
▲ 0.50% · 4.625%
HK$22,417
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,262/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,121
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,714
−HK$602/mo
Today · 4.125%
HK$23,316
baseline
▲ 0.50% · 4.625%
HK$24,545
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,632/mo (50% DSR)
Upfront cash ≈ HK$3.12M (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,198
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,920
−HK$733/mo
Today · 4.125%
HK$24,653
baseline
▲ 0.50% · 4.625%
HK$26,153
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,306/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,808
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,500
−HK$702/mo
Today · 4.125%
HK$27,202
baseline
▲ 0.50% · 4.625%
HK$28,636
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,404/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,826
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,754
−HK$942/mo
Today · 4.125%
HK$31,696
baseline
▲ 0.50% · 4.625%
HK$33,625
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,392/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,181
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,071
−HK$903/mo
Today · 4.125%
HK$34,974
baseline
▲ 0.50% · 4.625%
HK$36,817
+HK$1,843/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,948/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,003 · 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).