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$16,586
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$524/mo
Today · 4.125%
HK$17,626
baseline
▲ 0.50% · 4.625%
HK$18,699
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,252/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$502/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,903
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,522
−HK$629/mo
Today · 4.125%
HK$21,151
baseline
▲ 0.50% · 4.625%
HK$22,438
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,302/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,142
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,736
−HK$602/mo
Today · 4.125%
HK$23,338
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,676/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,220
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,178
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,525
−HK$703/mo
Today · 4.125%
HK$27,228
baseline
▲ 0.50% · 4.625%
HK$28,663
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,855
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$943/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,931/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$904/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$1,845/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,214 · 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).