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$16,573
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$524/mo
Today · 4.125%
HK$17,612
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,224/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,437
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,932
−HK$501/mo
Today · 4.125%
HK$19,433
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,866/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,887
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,506
−HK$628/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,420
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,268/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,124
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,718
−HK$602/mo
Today · 4.125%
HK$23,320
baseline
▲ 0.50% · 4.625%
HK$24,549
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,640/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,202
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,924
−HK$733/mo
Today · 4.125%
HK$24,657
baseline
▲ 0.50% · 4.625%
HK$26,157
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,314/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,812
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,504
−HK$702/mo
Today · 4.125%
HK$27,206
baseline
▲ 0.50% · 4.625%
HK$28,640
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,412/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,831
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$943/mo
Today · 4.125%
HK$31,702
baseline
▲ 0.50% · 4.625%
HK$33,631
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,404/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,039 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,187
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,077
−HK$903/mo
Today · 4.125%
HK$34,980
baseline
▲ 0.50% · 4.625%
HK$36,823
+HK$1,843/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,960/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,039 · 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).