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$16,585
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,101
−HK$524/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,250/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,451
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,946
−HK$502/mo
Today · 4.125%
HK$19,448
baseline
▲ 0.50% · 4.625%
HK$20,473
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,896/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,902
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,521
−HK$629/mo
Today · 4.125%
HK$21,150
baseline
▲ 0.50% · 4.625%
HK$22,437
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,300/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,141
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,735
−HK$602/mo
Today · 4.125%
HK$23,337
baseline
▲ 0.50% · 4.625%
HK$24,567
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,674/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,219
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,941
−HK$734/mo
Today · 4.125%
HK$24,675
baseline
▲ 0.50% · 4.625%
HK$26,177
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,350/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,831
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,524
−HK$703/mo
Today · 4.125%
HK$27,227
baseline
▲ 0.50% · 4.625%
HK$28,662
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,454/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,853
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,782
−HK$943/mo
Today · 4.125%
HK$31,725
baseline
▲ 0.50% · 4.625%
HK$33,656
+HK$1,931/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,450/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,102
−HK$904/mo
Today · 4.125%
HK$35,006
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$1,845/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,012/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,200 · 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).