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$16,599
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$525/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,713
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,280/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,466
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,961
−HK$503/mo
Today · 4.125%
HK$19,464
baseline
▲ 0.50% · 4.625%
HK$20,490
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,928/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,538
−HK$630/mo
Today · 4.125%
HK$21,168
baseline
▲ 0.50% · 4.625%
HK$22,456
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,336/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,159
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,754
−HK$602/mo
Today · 4.125%
HK$23,356
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,712/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,238
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,961
−HK$735/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$26,198
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,392/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$703/mo
Today · 4.125%
HK$27,249
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,498/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,878
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,807
−HK$945/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$905/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,382 · 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).