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$16,624
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$526/mo
Today · 4.125%
HK$17,667
baseline
▲ 0.50% · 4.625%
HK$18,742
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,334/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,494
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,990
−HK$503/mo
Today · 4.125%
HK$19,493
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,986/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,949
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,570
−HK$630/mo
Today · 4.125%
HK$21,200
baseline
▲ 0.50% · 4.625%
HK$22,490
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,400/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,193
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,788
−HK$604/mo
Today · 4.125%
HK$23,392
baseline
▲ 0.50% · 4.625%
HK$24,625
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,784/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,274
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,998
−HK$735/mo
Today · 4.125%
HK$24,733
baseline
▲ 0.50% · 4.625%
HK$26,238
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,466/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,892
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,586
−HK$705/mo
Today · 4.125%
HK$27,291
baseline
▲ 0.50% · 4.625%
HK$28,729
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,582/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,924
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$946/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,735
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,715 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,290
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$906/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$36,938
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,176/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,715 · 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).