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$16,622
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,139
−HK$525/mo
Today · 4.125%
HK$17,664
baseline
▲ 0.50% · 4.625%
HK$18,739
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,328/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,491
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,987
−HK$503/mo
Today · 4.125%
HK$19,490
baseline
▲ 0.50% · 4.625%
HK$20,518
+HK$1,028/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,980/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,946
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,566
−HK$631/mo
Today · 4.125%
HK$21,197
baseline
▲ 0.50% · 4.625%
HK$22,486
+HK$1,289/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,394/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,190
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,785
−HK$603/mo
Today · 4.125%
HK$23,388
baseline
▲ 0.50% · 4.625%
HK$24,621
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,776/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,270
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,994
−HK$735/mo
Today · 4.125%
HK$24,729
baseline
▲ 0.50% · 4.625%
HK$26,234
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,458/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,888
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,582
−HK$704/mo
Today · 4.125%
HK$27,286
baseline
▲ 0.50% · 4.625%
HK$28,725
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,572/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,919
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,849
−HK$946/mo
Today · 4.125%
HK$31,795
baseline
▲ 0.50% · 4.625%
HK$33,730
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,590/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,284
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,177
−HK$906/mo
Today · 4.125%
HK$35,083
baseline
▲ 0.50% · 4.625%
HK$36,932
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,166/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,680 · 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).