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$16,596
−HK$1,040/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$524/mo
Today · 4.125%
HK$17,636
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$1,074/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,272/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,463
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,958
−HK$502/mo
Today · 4.125%
HK$19,460
baseline
▲ 0.50% · 4.625%
HK$20,486
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,920/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,915
−HK$1,249/mo
▼ 0.25% · 3.875%
HK$20,534
−HK$630/mo
Today · 4.125%
HK$21,164
baseline
▲ 0.50% · 4.625%
HK$22,451
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,328/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,155
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$22,749
−HK$603/mo
Today · 4.125%
HK$23,352
baseline
▲ 0.50% · 4.625%
HK$24,583
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,704/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,234
−HK$1,457/mo
▼ 0.25% · 3.875%
HK$23,957
−HK$734/mo
Today · 4.125%
HK$24,691
baseline
▲ 0.50% · 4.625%
HK$26,193
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,382/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,848
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,541
−HK$703/mo
Today · 4.125%
HK$27,244
baseline
▲ 0.50% · 4.625%
HK$28,680
+HK$1,436/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,488/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,872
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$945/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,931/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,233
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,124
−HK$904/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$36,874
+HK$1,846/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,340 · 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).