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$16,594
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$525/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,708
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$502/mo
Today · 4.125%
HK$19,458
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,916/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,913
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,532
−HK$630/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,449
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,153
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,747
−HK$603/mo
Today · 4.125%
HK$23,350
baseline
▲ 0.50% · 4.625%
HK$24,581
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,700/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,954
−HK$735/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,191
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,845
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,538
−HK$703/mo
Today · 4.125%
HK$27,241
baseline
▲ 0.50% · 4.625%
HK$28,677
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,482/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,869
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,798
−HK$944/mo
Today · 4.125%
HK$31,742
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,484/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,229
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$905/mo
Today · 4.125%
HK$35,025
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,050/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,319 · 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).