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$16,626
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,143
−HK$525/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,744
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,496
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,992
−HK$503/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,523
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,951
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,572
−HK$630/mo
Today · 4.125%
HK$21,202
baseline
▲ 0.50% · 4.625%
HK$22,492
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,404/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,195
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,791
−HK$603/mo
Today · 4.125%
HK$23,394
baseline
▲ 0.50% · 4.625%
HK$24,628
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,788/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,276
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,000
−HK$736/mo
Today · 4.125%
HK$24,736
baseline
▲ 0.50% · 4.625%
HK$26,241
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,472/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,895
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,589
−HK$705/mo
Today · 4.125%
HK$27,294
baseline
▲ 0.50% · 4.625%
HK$28,732
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,588/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,927
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,857
−HK$946/mo
Today · 4.125%
HK$31,803
baseline
▲ 0.50% · 4.625%
HK$33,738
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,606/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,293
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,186
−HK$906/mo
Today · 4.125%
HK$35,092
baseline
▲ 0.50% · 4.625%
HK$36,941
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,184/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,737 · 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).