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$16,638
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$525/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,006
−HK$504/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,538
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,966
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,587
−HK$631/mo
Today · 4.125%
HK$21,218
baseline
▲ 0.50% · 4.625%
HK$22,509
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,436/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,212
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,807
−HK$605/mo
Today · 4.125%
HK$23,412
baseline
▲ 0.50% · 4.625%
HK$24,646
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,824/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,293
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,018
−HK$736/mo
Today · 4.125%
HK$24,754
baseline
▲ 0.50% · 4.625%
HK$26,260
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,508/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,608
−HK$705/mo
Today · 4.125%
HK$27,313
baseline
▲ 0.50% · 4.625%
HK$28,753
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,626/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,948
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,880
−HK$946/mo
Today · 4.125%
HK$31,826
baseline
▲ 0.50% · 4.625%
HK$33,763
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,652/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,317
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,211
−HK$906/mo
Today · 4.125%
HK$35,117
baseline
▲ 0.50% · 4.625%
HK$36,968
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,234/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,897 · 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).