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$16,579
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,095
−HK$524/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,238/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,444
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,939
−HK$501/mo
Today · 4.125%
HK$19,440
baseline
▲ 0.50% · 4.625%
HK$20,465
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,880/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,895
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,514
−HK$628/mo
Today · 4.125%
HK$21,142
baseline
▲ 0.50% · 4.625%
HK$22,429
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,284/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,133
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,726
−HK$603/mo
Today · 4.125%
HK$23,329
baseline
▲ 0.50% · 4.625%
HK$24,558
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,658/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,211
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,933
−HK$733/mo
Today · 4.125%
HK$24,666
baseline
▲ 0.50% · 4.625%
HK$26,167
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,332/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,822
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,514
−HK$703/mo
Today · 4.125%
HK$27,217
baseline
▲ 0.50% · 4.625%
HK$28,651
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,434/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,842
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$943/mo
Today · 4.125%
HK$31,714
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,929/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,428/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,199
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$903/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$36,837
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,121 · 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).