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$16,598
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$525/mo
Today · 4.125%
HK$17,639
baseline
▲ 0.50% · 4.625%
HK$18,712
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,278/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,465
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,960
−HK$503/mo
Today · 4.125%
HK$19,463
baseline
▲ 0.50% · 4.625%
HK$20,488
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,926/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,917
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,537
−HK$629/mo
Today · 4.125%
HK$21,166
baseline
▲ 0.50% · 4.625%
HK$22,454
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,332/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,158
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,752
−HK$603/mo
Today · 4.125%
HK$23,355
baseline
▲ 0.50% · 4.625%
HK$24,586
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,710/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,237
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,960
−HK$734/mo
Today · 4.125%
HK$24,694
baseline
▲ 0.50% · 4.625%
HK$26,197
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,388/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,851
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,544
−HK$704/mo
Today · 4.125%
HK$27,248
baseline
▲ 0.50% · 4.625%
HK$28,684
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,496/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,876
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$945/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,932/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,369 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,128
−HK$905/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$36,879
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,369 · 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).