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$16,603
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$524/mo
Today · 4.125%
HK$17,644
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,288/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,966
−HK$503/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,495
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$629/mo
Today · 4.125%
HK$21,173
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,346/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,759
−HK$604/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,726/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,244
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,967
−HK$735/mo
Today · 4.125%
HK$24,702
baseline
▲ 0.50% · 4.625%
HK$26,205
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,404/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,859
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$703/mo
Today · 4.125%
HK$27,256
baseline
▲ 0.50% · 4.625%
HK$28,693
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,512/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,886
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$945/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,248
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$905/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$36,891
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,439 · 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).