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$16,604
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$524/mo
Today · 4.125%
HK$17,645
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,290/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,472
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$503/mo
Today · 4.125%
HK$19,470
baseline
▲ 0.50% · 4.625%
HK$20,496
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,940/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,925
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,545
−HK$629/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,463
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,166
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,761
−HK$603/mo
Today · 4.125%
HK$23,364
baseline
▲ 0.50% · 4.625%
HK$24,595
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,728/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,246
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,969
−HK$734/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,207
+HK$1,504/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,861
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,554
−HK$704/mo
Today · 4.125%
HK$27,258
baseline
▲ 0.50% · 4.625%
HK$28,695
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,516/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,887
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,817
−HK$945/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,249
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,141
−HK$905/mo
Today · 4.125%
HK$35,046
baseline
▲ 0.50% · 4.625%
HK$36,893
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,092/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,451 · 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).