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$17,116
−HK$524/mo
Today · 4.125%
HK$17,640
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$1,074/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$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,467
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,962
−HK$502/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$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,919
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,539
−HK$629/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$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,160
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,754
−HK$603/mo
Today · 4.125%
HK$23,357
baseline
▲ 0.50% · 4.625%
HK$24,588
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,714/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,239
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,962
−HK$734/mo
Today · 4.125%
HK$24,696
baseline
▲ 0.50% · 4.625%
HK$26,199
+HK$1,503/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$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,853
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,546
−HK$704/mo
Today · 4.125%
HK$27,250
baseline
▲ 0.50% · 4.625%
HK$28,686
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,500/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,879
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,808
−HK$944/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$218,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$905/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,387 · 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).