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$16,590
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$525/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,457
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,952
−HK$502/mo
Today · 4.125%
HK$19,454
baseline
▲ 0.50% · 4.625%
HK$20,479
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,908/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,908
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,528
−HK$629/mo
Today · 4.125%
HK$21,157
baseline
▲ 0.50% · 4.625%
HK$22,444
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,314/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,148
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,742
−HK$602/mo
Today · 4.125%
HK$23,344
baseline
▲ 0.50% · 4.625%
HK$24,575
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,688/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,226
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,949
−HK$734/mo
Today · 4.125%
HK$24,683
baseline
▲ 0.50% · 4.625%
HK$26,185
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,366/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,839
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,532
−HK$703/mo
Today · 4.125%
HK$27,235
baseline
▲ 0.50% · 4.625%
HK$28,671
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,470/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,863
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,791
−HK$944/mo
Today · 4.125%
HK$31,735
baseline
▲ 0.50% · 4.625%
HK$33,666
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,470/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$904/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$36,862
+HK$1,845/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,270 · 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).