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$16,629
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,147
−HK$525/mo
Today · 4.125%
HK$17,672
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,344/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,500
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,996
−HK$503/mo
Today · 4.125%
HK$19,499
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,998/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,955
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,576
−HK$631/mo
Today · 4.125%
HK$21,207
baseline
▲ 0.50% · 4.625%
HK$22,497
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,414/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,200
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$604/mo
Today · 4.125%
HK$23,399
baseline
▲ 0.50% · 4.625%
HK$24,633
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,798/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,281
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,005
−HK$736/mo
Today · 4.125%
HK$24,741
baseline
▲ 0.50% · 4.625%
HK$26,246
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,482/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,900
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,595
−HK$704/mo
Today · 4.125%
HK$27,299
baseline
▲ 0.50% · 4.625%
HK$28,738
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,598/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,933
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,864
−HK$946/mo
Today · 4.125%
HK$31,810
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,620/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,300
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,193
−HK$906/mo
Today · 4.125%
HK$35,099
baseline
▲ 0.50% · 4.625%
HK$36,949
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,198/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,783 · 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).