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$18,708
+HK$1,073/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$218,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,461
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,956
−HK$503/mo
Today · 4.125%
HK$19,459
baseline
▲ 0.50% · 4.625%
HK$20,484
+HK$1,025/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$218,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,914
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,533
−HK$629/mo
Today · 4.125%
HK$21,162
baseline
▲ 0.50% · 4.625%
HK$22,450
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,324/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,326 · 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$24,581
+HK$1,230/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$218,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,232
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,955
−HK$734/mo
Today · 4.125%
HK$24,689
baseline
▲ 0.50% · 4.625%
HK$26,192
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,378/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,846
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,539
−HK$703/mo
Today · 4.125%
HK$27,242
baseline
▲ 0.50% · 4.625%
HK$28,678
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,484/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,870
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,799
−HK$944/mo
Today · 4.125%
HK$31,743
baseline
▲ 0.50% · 4.625%
HK$33,675
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,486/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,230
−HK$1,796/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$218,326 · 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).