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$16,595
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$524/mo
Today · 4.125%
HK$17,635
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,270/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,462
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,957
−HK$502/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,485
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,918/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$630/mo
Today · 4.125%
HK$21,163
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,326/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,154
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,748
−HK$603/mo
Today · 4.125%
HK$23,351
baseline
▲ 0.50% · 4.625%
HK$24,582
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,702/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,233
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$735/mo
Today · 4.125%
HK$24,690
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,380/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,846
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$704/mo
Today · 4.125%
HK$27,243
baseline
▲ 0.50% · 4.625%
HK$28,679
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,486/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,871
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$944/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,675
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,122
−HK$904/mo
Today · 4.125%
HK$35,026
baseline
▲ 0.50% · 4.625%
HK$36,872
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,052/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,329 · 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).