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$16,603
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$525/mo
Today · 4.125%
HK$17,645
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$1,073/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,290/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,471
−HK$998/mo
▼ 0.25% · 3.875%
HK$18,967
−HK$502/mo
Today · 4.125%
HK$19,469
baseline
▲ 0.50% · 4.625%
HK$20,495
+HK$1,026/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,938/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,924
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,544
−HK$630/mo
Today · 4.125%
HK$21,174
baseline
▲ 0.50% · 4.625%
HK$22,462
+HK$1,288/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$42,348/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,165
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,760
−HK$603/mo
Today · 4.125%
HK$23,363
baseline
▲ 0.50% · 4.625%
HK$24,594
+HK$1,231/mo
Deposit HK$2.91M · loan HK$4.37M · min. income ≈ HK$46,726/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,245
−HK$1,458/mo
▼ 0.25% · 3.875%
HK$23,968
−HK$735/mo
Today · 4.125%
HK$24,703
baseline
▲ 0.50% · 4.625%
HK$26,206
+HK$1,503/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$49,406/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,860
−HK$1,397/mo
▼ 0.25% · 3.875%
HK$26,553
−HK$704/mo
Today · 4.125%
HK$27,257
baseline
▲ 0.50% · 4.625%
HK$28,694
+HK$1,437/mo
Deposit HK$2.18M · loan HK$5.10M · min. income ≈ HK$54,514/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,886
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$944/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,933/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,248
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$904/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$1,848/mo
Deposit HK$728K · loan HK$6.55M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$947K (deposit + AVD stamp duty HK$218,443 · 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).