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$16,598
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$525/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$503/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,489
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,918
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$630/mo
Today · 4.125%
HK$21,167
baseline
▲ 0.50% · 4.625%
HK$22,455
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,334/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,753
−HK$602/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,587
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$735/mo
Today · 4.125%
HK$24,695
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,390/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,545
−HK$703/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,877
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$944/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$904/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$36,880
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,372 · 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).