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$16,620
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$525/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$503/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,515
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,943
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$630/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$604/mo
Today · 4.125%
HK$23,386
baseline
▲ 0.50% · 4.625%
HK$24,618
+HK$1,232/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,772/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,267
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$735/mo
Today · 4.125%
HK$24,726
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,452/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$704/mo
Today · 4.125%
HK$27,283
baseline
▲ 0.50% · 4.625%
HK$28,721
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,566/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,915
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$945/mo
Today · 4.125%
HK$31,791
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,582/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,280
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$905/mo
Today · 4.125%
HK$35,078
baseline
▲ 0.50% · 4.625%
HK$36,927
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,156/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,655 · 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).