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$16,584
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,100
−HK$524/mo
Today · 4.125%
HK$17,624
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,248/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,449
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,944
−HK$502/mo
Today · 4.125%
HK$19,446
baseline
▲ 0.50% · 4.625%
HK$20,471
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,892/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,901
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,520
−HK$629/mo
Today · 4.125%
HK$21,149
baseline
▲ 0.50% · 4.625%
HK$22,436
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,298/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,139
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,733
−HK$602/mo
Today · 4.125%
HK$23,335
baseline
▲ 0.50% · 4.625%
HK$24,566
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,670/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,218
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,940
−HK$733/mo
Today · 4.125%
HK$24,673
baseline
▲ 0.50% · 4.625%
HK$26,175
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,346/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,829
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,522
−HK$703/mo
Today · 4.125%
HK$27,225
baseline
▲ 0.50% · 4.625%
HK$28,660
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,450/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,851
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,780
−HK$943/mo
Today · 4.125%
HK$31,723
baseline
▲ 0.50% · 4.625%
HK$33,653
+HK$1,930/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,446/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,209
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,100
−HK$903/mo
Today · 4.125%
HK$35,003
baseline
▲ 0.50% · 4.625%
HK$36,848
+HK$1,845/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,006/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,186 · 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).