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$16,577
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$524/mo
Today · 4.125%
HK$17,617
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$1,072/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$35,234/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,442
−HK$996/mo
▼ 0.25% · 3.875%
HK$18,937
−HK$501/mo
Today · 4.125%
HK$19,438
baseline
▲ 0.50% · 4.625%
HK$20,463
+HK$1,025/mo
Deposit HK$3.63M · loan HK$3.63M · min. income ≈ HK$38,876/mo (50% DSR)
Upfront cash ≈ HK$3.85M (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,893
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,511
−HK$629/mo
Today · 4.125%
HK$21,140
baseline
▲ 0.50% · 4.625%
HK$22,426
+HK$1,286/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,280/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,130
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,724
−HK$602/mo
Today · 4.125%
HK$23,326
baseline
▲ 0.50% · 4.625%
HK$24,555
+HK$1,229/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,652/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,208
−HK$1,455/mo
▼ 0.25% · 3.875%
HK$23,930
−HK$733/mo
Today · 4.125%
HK$24,663
baseline
▲ 0.50% · 4.625%
HK$26,164
+HK$1,501/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,326/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,819
−HK$1,395/mo
▼ 0.25% · 3.875%
HK$26,511
−HK$703/mo
Today · 4.125%
HK$27,214
baseline
▲ 0.50% · 4.625%
HK$28,648
+HK$1,434/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,428/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,839
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,767
−HK$943/mo
Today · 4.125%
HK$31,710
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,930/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$63,420/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$903/mo
Today · 4.125%
HK$34,989
baseline
▲ 0.50% · 4.625%
HK$36,833
+HK$1,844/mo
Deposit HK$727K · loan HK$6.54M · min. income ≈ HK$69,978/mo (50% DSR)
Upfront cash ≈ HK$945K (deposit + AVD stamp duty HK$218,096 · 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).