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$16,598
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$524/mo
Today · 4.125%
HK$17,638
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,276/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$502/mo
Today · 4.125%
HK$19,462
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,924/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$629/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$603/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,959
−HK$735/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$26,196
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,850
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$703/mo
Today · 4.125%
HK$27,247
baseline
▲ 0.50% · 4.625%
HK$28,683
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,494/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$944/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,681
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$904/mo
Today · 4.125%
HK$35,032
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,064/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,365 · 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).