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$16,620
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$525/mo
Today · 4.125%
HK$17,662
baseline
▲ 0.50% · 4.625%
HK$18,737
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,324/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,489
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,985
−HK$503/mo
Today · 4.125%
HK$19,488
baseline
▲ 0.50% · 4.625%
HK$20,516
+HK$1,028/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,976/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$630/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$604/mo
Today · 4.125%
HK$23,386
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,772/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,268
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,991
−HK$736/mo
Today · 4.125%
HK$24,727
baseline
▲ 0.50% · 4.625%
HK$26,231
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,454/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,885
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,579
−HK$705/mo
Today · 4.125%
HK$27,284
baseline
▲ 0.50% · 4.625%
HK$28,722
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,916
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,846
−HK$946/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,726
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,281
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,173
−HK$906/mo
Today · 4.125%
HK$35,079
baseline
▲ 0.50% · 4.625%
HK$36,928
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,158/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,657 · 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).