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$16,572
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$523/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,683
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,436
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,931
−HK$501/mo
Today · 4.125%
HK$19,432
baseline
▲ 0.50% · 4.625%
HK$20,457
+HK$1,025/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,864/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,886
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,505
−HK$629/mo
Today · 4.125%
HK$21,134
baseline
▲ 0.50% · 4.625%
HK$22,419
+HK$1,285/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$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,123
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,717
−HK$602/mo
Today · 4.125%
HK$23,319
baseline
▲ 0.50% · 4.625%
HK$24,548
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,638/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,201
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,923
−HK$733/mo
Today · 4.125%
HK$24,656
baseline
▲ 0.50% · 4.625%
HK$26,156
+HK$1,500/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,312/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,811
−HK$1,394/mo
▼ 0.25% · 3.875%
HK$26,503
−HK$702/mo
Today · 4.125%
HK$27,205
baseline
▲ 0.50% · 4.625%
HK$28,639
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,410/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,830
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$942/mo
Today · 4.125%
HK$31,700
baseline
▲ 0.50% · 4.625%
HK$33,629
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,400/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,185
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,075
−HK$903/mo
Today · 4.125%
HK$34,978
baseline
▲ 0.50% · 4.625%
HK$36,822
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,956/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,029 · 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).