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$16,578
−HK$1,039/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$524/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$502/mo
Today · 4.125%
HK$19,439
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,024/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,878/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,893
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,512
−HK$628/mo
Today · 4.125%
HK$21,140
baseline
▲ 0.50% · 4.625%
HK$22,427
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,280/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,131
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$602/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,556
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,209
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$734/mo
Today · 4.125%
HK$24,664
baseline
▲ 0.50% · 4.625%
HK$26,165
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,328/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,819
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,512
−HK$702/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,649
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,840
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,768
−HK$943/mo
Today · 4.125%
HK$31,711
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,422/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,196
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$904/mo
Today · 4.125%
HK$34,990
baseline
▲ 0.50% · 4.625%
HK$36,834
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,980/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,101 · 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).