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$16,615
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$525/mo
Today · 4.125%
HK$17,657
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,314/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,484
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,980
−HK$503/mo
Today · 4.125%
HK$19,483
baseline
▲ 0.50% · 4.625%
HK$20,510
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,966/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,559
−HK$630/mo
Today · 4.125%
HK$21,189
baseline
▲ 0.50% · 4.625%
HK$22,478
+HK$1,289/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,378/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,181
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$604/mo
Today · 4.125%
HK$23,380
baseline
▲ 0.50% · 4.625%
HK$24,612
+HK$1,232/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,760/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,262
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,985
−HK$735/mo
Today · 4.125%
HK$24,720
baseline
▲ 0.50% · 4.625%
HK$26,224
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,440/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,878
−HK$1,398/mo
▼ 0.25% · 3.875%
HK$26,572
−HK$704/mo
Today · 4.125%
HK$27,276
baseline
▲ 0.50% · 4.625%
HK$28,714
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,552/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,908
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,838
−HK$945/mo
Today · 4.125%
HK$31,783
baseline
▲ 0.50% · 4.625%
HK$33,717
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,566/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$906/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$1,848/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,599 · 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).