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$16,623
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,140
−HK$525/mo
Today · 4.125%
HK$17,665
baseline
▲ 0.50% · 4.625%
HK$18,740
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,330/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,493
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,988
−HK$504/mo
Today · 4.125%
HK$19,492
baseline
▲ 0.50% · 4.625%
HK$20,519
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,984/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,947
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,568
−HK$630/mo
Today · 4.125%
HK$21,198
baseline
▲ 0.50% · 4.625%
HK$22,488
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,396/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,191
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,786
−HK$604/mo
Today · 4.125%
HK$23,390
baseline
▲ 0.50% · 4.625%
HK$24,623
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,780/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,272
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,996
−HK$735/mo
Today · 4.125%
HK$24,731
baseline
▲ 0.50% · 4.625%
HK$26,236
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,462/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,890
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,584
−HK$704/mo
Today · 4.125%
HK$27,288
baseline
▲ 0.50% · 4.625%
HK$28,727
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,576/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,921
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,851
−HK$946/mo
Today · 4.125%
HK$31,797
baseline
▲ 0.50% · 4.625%
HK$33,732
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,594/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,287
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,179
−HK$906/mo
Today · 4.125%
HK$35,085
baseline
▲ 0.50% · 4.625%
HK$36,934
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,170/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,695 · 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).