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$16,617
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$525/mo
Today · 4.125%
HK$17,659
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,318/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,486
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,982
−HK$503/mo
Today · 4.125%
HK$19,485
baseline
▲ 0.50% · 4.625%
HK$20,512
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,970/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,941
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,561
−HK$630/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,184
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,779
−HK$603/mo
Today · 4.125%
HK$23,382
baseline
▲ 0.50% · 4.625%
HK$24,615
+HK$1,233/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,764/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,264
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,988
−HK$735/mo
Today · 4.125%
HK$24,723
baseline
▲ 0.50% · 4.625%
HK$26,227
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,446/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,881
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,575
−HK$704/mo
Today · 4.125%
HK$27,279
baseline
▲ 0.50% · 4.625%
HK$28,717
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,558/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,911
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,841
−HK$946/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,168
−HK$905/mo
Today · 4.125%
HK$35,073
baseline
▲ 0.50% · 4.625%
HK$36,922
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,146/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,623 · 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).