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$16,608
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,124
−HK$525/mo
Today · 4.125%
HK$17,649
baseline
▲ 0.50% · 4.625%
HK$18,723
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,298/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,476
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,971
−HK$503/mo
Today · 4.125%
HK$19,474
baseline
▲ 0.50% · 4.625%
HK$20,500
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,948/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,929
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,549
−HK$630/mo
Today · 4.125%
HK$21,179
baseline
▲ 0.50% · 4.625%
HK$22,468
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,358/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,171
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,766
−HK$603/mo
Today · 4.125%
HK$23,369
baseline
▲ 0.50% · 4.625%
HK$24,601
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,738/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,251
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,974
−HK$735/mo
Today · 4.125%
HK$24,709
baseline
▲ 0.50% · 4.625%
HK$26,212
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,418/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,866
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,560
−HK$704/mo
Today · 4.125%
HK$27,264
baseline
▲ 0.50% · 4.625%
HK$28,701
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,528/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,894
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,824
−HK$944/mo
Today · 4.125%
HK$31,768
baseline
▲ 0.50% · 4.625%
HK$33,701
+HK$1,933/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,536/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,497 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,256
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,148
−HK$905/mo
Today · 4.125%
HK$35,053
baseline
▲ 0.50% · 4.625%
HK$36,901
+HK$1,848/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,106/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,497 · 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).