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$16,581
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$524/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,693
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,446
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,941
−HK$502/mo
Today · 4.125%
HK$19,443
baseline
▲ 0.50% · 4.625%
HK$20,468
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,886/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,897
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,516
−HK$629/mo
Today · 4.125%
HK$21,145
baseline
▲ 0.50% · 4.625%
HK$22,432
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,290/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,136
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,729
−HK$603/mo
Today · 4.125%
HK$23,332
baseline
▲ 0.50% · 4.625%
HK$24,561
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,664/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,214
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,936
−HK$733/mo
Today · 4.125%
HK$24,669
baseline
▲ 0.50% · 4.625%
HK$26,170
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,338/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,825
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,518
−HK$702/mo
Today · 4.125%
HK$27,220
baseline
▲ 0.50% · 4.625%
HK$28,655
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,440/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,846
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,775
−HK$943/mo
Today · 4.125%
HK$31,718
baseline
▲ 0.50% · 4.625%
HK$33,648
+HK$1,930/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,436/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,204
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,094
−HK$903/mo
Today · 4.125%
HK$34,997
baseline
▲ 0.50% · 4.625%
HK$36,842
+HK$1,845/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,994/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,150 · 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).