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$16,618
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,135
−HK$525/mo
Today · 4.125%
HK$17,660
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$1,075/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,320/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,487
−HK$999/mo
▼ 0.25% · 3.875%
HK$18,983
−HK$503/mo
Today · 4.125%
HK$19,486
baseline
▲ 0.50% · 4.625%
HK$20,513
+HK$1,027/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,972/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,942
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,562
−HK$630/mo
Today · 4.125%
HK$21,192
baseline
▲ 0.50% · 4.625%
HK$22,481
+HK$1,289/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,384/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,185
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,780
−HK$603/mo
Today · 4.125%
HK$23,383
baseline
▲ 0.50% · 4.625%
HK$24,616
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,766/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,265
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$23,989
−HK$735/mo
Today · 4.125%
HK$24,724
baseline
▲ 0.50% · 4.625%
HK$26,228
+HK$1,504/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,448/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,882
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,576
−HK$705/mo
Today · 4.125%
HK$27,281
baseline
▲ 0.50% · 4.625%
HK$28,719
+HK$1,438/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,562/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,912
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$945/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,722
+HK$1,934/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$905/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$1,849/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,633 · 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).