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$16,574
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,090
−HK$524/mo
Today · 4.125%
HK$17,614
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$1,071/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,228/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,439
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,933
−HK$502/mo
Today · 4.125%
HK$19,435
baseline
▲ 0.50% · 4.625%
HK$20,459
+HK$1,024/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,870/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,889
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,508
−HK$628/mo
Today · 4.125%
HK$21,136
baseline
▲ 0.50% · 4.625%
HK$22,423
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,272/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,127
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,720
−HK$602/mo
Today · 4.125%
HK$23,322
baseline
▲ 0.50% · 4.625%
HK$24,551
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,644/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,204
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,926
−HK$733/mo
Today · 4.125%
HK$24,659
baseline
▲ 0.50% · 4.625%
HK$26,160
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,318/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,814
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,507
−HK$702/mo
Today · 4.125%
HK$27,209
baseline
▲ 0.50% · 4.625%
HK$28,643
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,418/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,834
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,762
−HK$943/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,634
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,190
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,080
−HK$903/mo
Today · 4.125%
HK$34,983
baseline
▲ 0.50% · 4.625%
HK$36,827
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,966/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,059 · 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).