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$16,605
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$525/mo
Today · 4.125%
HK$17,647
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,294/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,473
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,969
−HK$502/mo
Today · 4.125%
HK$19,471
baseline
▲ 0.50% · 4.625%
HK$20,498
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,942/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,926
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,546
−HK$630/mo
Today · 4.125%
HK$21,176
baseline
▲ 0.50% · 4.625%
HK$22,464
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,352/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,168
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,762
−HK$604/mo
Today · 4.125%
HK$23,366
baseline
▲ 0.50% · 4.625%
HK$24,597
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,732/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,247
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,971
−HK$734/mo
Today · 4.125%
HK$24,705
baseline
▲ 0.50% · 4.625%
HK$26,209
+HK$1,504/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,410/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,863
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,556
−HK$704/mo
Today · 4.125%
HK$27,260
baseline
▲ 0.50% · 4.625%
HK$28,697
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,520/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,890
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$945/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,933/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$904/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$1,848/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,467 · 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).