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$16,583
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$525/mo
Today · 4.125%
HK$17,623
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,246/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,448
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,943
−HK$502/mo
Today · 4.125%
HK$19,445
baseline
▲ 0.50% · 4.625%
HK$20,470
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,890/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,899
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,518
−HK$629/mo
Today · 4.125%
HK$21,147
baseline
▲ 0.50% · 4.625%
HK$22,434
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,294/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,138
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,731
−HK$603/mo
Today · 4.125%
HK$23,334
baseline
▲ 0.50% · 4.625%
HK$24,564
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,668/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,216
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,938
−HK$734/mo
Today · 4.125%
HK$24,672
baseline
▲ 0.50% · 4.625%
HK$26,173
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,344/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,827
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,520
−HK$703/mo
Today · 4.125%
HK$27,223
baseline
▲ 0.50% · 4.625%
HK$28,658
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,446/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,849
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$944/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,930/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,206
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,097
−HK$904/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$1,844/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,169 · 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).