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$16,619
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,136
−HK$525/mo
Today · 4.125%
HK$17,661
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,322/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,488
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,984
−HK$503/mo
Today · 4.125%
HK$19,487
baseline
▲ 0.50% · 4.625%
HK$20,514
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,974/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,563
−HK$630/mo
Today · 4.125%
HK$21,193
baseline
▲ 0.50% · 4.625%
HK$22,483
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,386/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,186
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,781
−HK$603/mo
Today · 4.125%
HK$23,384
baseline
▲ 0.50% · 4.625%
HK$24,617
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,768/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,266
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,990
−HK$735/mo
Today · 4.125%
HK$24,725
baseline
▲ 0.50% · 4.625%
HK$26,230
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,450/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,883
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,578
−HK$704/mo
Today · 4.125%
HK$27,282
baseline
▲ 0.50% · 4.625%
HK$28,720
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,564/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,914
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,844
−HK$945/mo
Today · 4.125%
HK$31,789
baseline
▲ 0.50% · 4.625%
HK$33,724
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,578/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,171
−HK$906/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$36,925
+HK$1,848/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,643 · 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).