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$16,588
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$524/mo
Today · 4.125%
HK$17,628
baseline
▲ 0.50% · 4.625%
HK$18,701
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,256/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,454
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,949
−HK$502/mo
Today · 4.125%
HK$19,451
baseline
▲ 0.50% · 4.625%
HK$20,476
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,902/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,905
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,525
−HK$629/mo
Today · 4.125%
HK$21,154
baseline
▲ 0.50% · 4.625%
HK$22,441
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,308/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,145
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,738
−HK$603/mo
Today · 4.125%
HK$23,341
baseline
▲ 0.50% · 4.625%
HK$24,571
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,682/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,223
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,945
−HK$734/mo
Today · 4.125%
HK$24,679
baseline
▲ 0.50% · 4.625%
HK$26,181
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,358/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,835
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,528
−HK$703/mo
Today · 4.125%
HK$27,231
baseline
▲ 0.50% · 4.625%
HK$28,667
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,462/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,858
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,787
−HK$944/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,661
+HK$1,930/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,217
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,108
−HK$903/mo
Today · 4.125%
HK$35,011
baseline
▲ 0.50% · 4.625%
HK$36,857
+HK$1,846/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,022/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,237 · 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).