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$16,632
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$526/mo
Today · 4.125%
HK$17,675
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,350/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,503
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,999
−HK$503/mo
Today · 4.125%
HK$19,502
baseline
▲ 0.50% · 4.625%
HK$20,530
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,004/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,958
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,579
−HK$631/mo
Today · 4.125%
HK$21,210
baseline
▲ 0.50% · 4.625%
HK$22,500
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,420/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,203
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,799
−HK$604/mo
Today · 4.125%
HK$23,403
baseline
▲ 0.50% · 4.625%
HK$24,636
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,806/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,284
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,009
−HK$736/mo
Today · 4.125%
HK$24,745
baseline
▲ 0.50% · 4.625%
HK$26,250
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,490/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,904
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,598
−HK$705/mo
Today · 4.125%
HK$27,303
baseline
▲ 0.50% · 4.625%
HK$28,742
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,606/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,937
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$946/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$906/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$36,954
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,814 · 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).