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$16,612
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,129
−HK$525/mo
Today · 4.125%
HK$17,654
baseline
▲ 0.50% · 4.625%
HK$18,728
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,308/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,481
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,977
−HK$502/mo
Today · 4.125%
HK$19,479
baseline
▲ 0.50% · 4.625%
HK$20,506
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,958/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,935
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,555
−HK$630/mo
Today · 4.125%
HK$21,185
baseline
▲ 0.50% · 4.625%
HK$22,474
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,370/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,177
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,772
−HK$603/mo
Today · 4.125%
HK$23,375
baseline
▲ 0.50% · 4.625%
HK$24,608
+HK$1,233/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,750/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,257
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,981
−HK$735/mo
Today · 4.125%
HK$24,716
baseline
▲ 0.50% · 4.625%
HK$26,220
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,432/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,873
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,567
−HK$704/mo
Today · 4.125%
HK$27,271
baseline
▲ 0.50% · 4.625%
HK$28,709
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,542/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,902
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,832
−HK$945/mo
Today · 4.125%
HK$31,777
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,554/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$905/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$36,911
+HK$1,848/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,559 · 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).