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$16,616
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$525/mo
Today · 4.125%
HK$17,658
baseline
▲ 0.50% · 4.625%
HK$18,733
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,316/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,485
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,981
−HK$503/mo
Today · 4.125%
HK$19,484
baseline
▲ 0.50% · 4.625%
HK$20,511
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,968/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,939
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$630/mo
Today · 4.125%
HK$21,190
baseline
▲ 0.50% · 4.625%
HK$22,479
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,380/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,182
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,777
−HK$604/mo
Today · 4.125%
HK$23,381
baseline
▲ 0.50% · 4.625%
HK$24,613
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,762/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,263
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,986
−HK$736/mo
Today · 4.125%
HK$24,722
baseline
▲ 0.50% · 4.625%
HK$26,226
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,444/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,880
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,574
−HK$704/mo
Today · 4.125%
HK$27,278
baseline
▲ 0.50% · 4.625%
HK$28,716
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,556/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,909
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$945/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$905/mo
Today · 4.125%
HK$35,071
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,142/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,611 · 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).