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$16,579
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$524/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,238/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,444
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$502/mo
Today · 4.125%
HK$19,441
baseline
▲ 0.50% · 4.625%
HK$20,466
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,882/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$629/mo
Today · 4.125%
HK$21,143
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,286/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,727
−HK$602/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,559
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$734/mo
Today · 4.125%
HK$24,667
baseline
▲ 0.50% · 4.625%
HK$26,168
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,334/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,515
−HK$702/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,652
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,843
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$943/mo
Today · 4.125%
HK$31,714
baseline
▲ 0.50% · 4.625%
HK$33,644
+HK$1,930/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,428/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$903/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$36,838
+HK$1,845/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,125 · 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).