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$16,620
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$526/mo
Today · 4.125%
HK$17,663
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,326/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,490
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,986
−HK$503/mo
Today · 4.125%
HK$19,489
baseline
▲ 0.50% · 4.625%
HK$20,516
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,978/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,565
−HK$630/mo
Today · 4.125%
HK$21,195
baseline
▲ 0.50% · 4.625%
HK$22,485
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,390/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,188
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,783
−HK$604/mo
Today · 4.125%
HK$23,387
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,232/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,774/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,268
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,992
−HK$736/mo
Today · 4.125%
HK$24,728
baseline
▲ 0.50% · 4.625%
HK$26,232
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,456/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,886
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,580
−HK$704/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,723
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,917
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$946/mo
Today · 4.125%
HK$31,793
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,586/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,175
−HK$905/mo
Today · 4.125%
HK$35,080
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,160/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,665 · 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).