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$16,586
−HK$1,041/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$525/mo
Today · 4.125%
HK$17,627
baseline
▲ 0.50% · 4.625%
HK$18,699
+HK$1,072/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$35,254/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,452
−HK$997/mo
▼ 0.25% · 3.875%
HK$18,947
−HK$502/mo
Today · 4.125%
HK$19,449
baseline
▲ 0.50% · 4.625%
HK$20,474
+HK$1,025/mo
Deposit HK$3.64M · loan HK$3.64M · min. income ≈ HK$38,898/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,904
−HK$1,248/mo
▼ 0.25% · 3.875%
HK$20,523
−HK$629/mo
Today · 4.125%
HK$21,152
baseline
▲ 0.50% · 4.625%
HK$22,439
+HK$1,287/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$42,304/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,143
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$22,737
−HK$602/mo
Today · 4.125%
HK$23,339
baseline
▲ 0.50% · 4.625%
HK$24,569
+HK$1,230/mo
Deposit HK$2.91M · loan HK$4.36M · min. income ≈ HK$46,678/mo (50% DSR)
Upfront cash ≈ HK$3.13M (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,221
−HK$1,456/mo
▼ 0.25% · 3.875%
HK$23,943
−HK$734/mo
Today · 4.125%
HK$24,677
baseline
▲ 0.50% · 4.625%
HK$26,179
+HK$1,502/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$49,354/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,833
−HK$1,396/mo
▼ 0.25% · 3.875%
HK$26,526
−HK$703/mo
Today · 4.125%
HK$27,229
baseline
▲ 0.50% · 4.625%
HK$28,664
+HK$1,435/mo
Deposit HK$2.18M · loan HK$5.09M · min. income ≈ HK$54,458/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,856
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$944/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,930/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$904/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$36,854
+HK$1,845/mo
Deposit HK$727K · loan HK$6.55M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$946K (deposit + AVD stamp duty HK$218,219 · 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).