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$16,592
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$524/mo
Today · 4.125%
HK$17,632
baseline
▲ 0.50% · 4.625%
HK$18,705
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,264/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,458
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,953
−HK$502/mo
Today · 4.125%
HK$19,455
baseline
▲ 0.50% · 4.625%
HK$20,481
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,910/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,910
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,529
−HK$630/mo
Today · 4.125%
HK$21,159
baseline
▲ 0.50% · 4.625%
HK$22,446
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,318/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,150
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,744
−HK$602/mo
Today · 4.125%
HK$23,346
baseline
▲ 0.50% · 4.625%
HK$24,577
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,692/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,228
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,951
−HK$734/mo
Today · 4.125%
HK$24,685
baseline
▲ 0.50% · 4.625%
HK$26,187
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,370/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,841
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,534
−HK$704/mo
Today · 4.125%
HK$27,238
baseline
▲ 0.50% · 4.625%
HK$28,673
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,476/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,865
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,794
−HK$944/mo
Today · 4.125%
HK$31,738
baseline
▲ 0.50% · 4.625%
HK$33,669
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,476/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,225
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,116
−HK$904/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$36,866
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,289 · 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).