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$16,595
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$524/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$503/mo
Today · 4.125%
HK$19,460
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,920/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$629/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$603/mo
Today · 4.125%
HK$23,352
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,704/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,956
−HK$734/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,847
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,540
−HK$704/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$944/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$904/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$36,874
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,336 · 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).