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$16,602
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$525/mo
Today · 4.125%
HK$17,643
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,286/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,469
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,965
−HK$502/mo
Today · 4.125%
HK$19,467
baseline
▲ 0.50% · 4.625%
HK$20,493
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,934/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,922
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,542
−HK$629/mo
Today · 4.125%
HK$21,171
baseline
▲ 0.50% · 4.625%
HK$22,460
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,342/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,163
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,758
−HK$603/mo
Today · 4.125%
HK$23,361
baseline
▲ 0.50% · 4.625%
HK$24,592
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,722/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,242
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,965
−HK$735/mo
Today · 4.125%
HK$24,700
baseline
▲ 0.50% · 4.625%
HK$26,203
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,400/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,857
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,550
−HK$704/mo
Today · 4.125%
HK$27,254
baseline
▲ 0.50% · 4.625%
HK$28,691
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,508/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,883
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$944/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,689
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,136
−HK$905/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$1,847/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,420 · 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).