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$16,625
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,142
−HK$526/mo
Today · 4.125%
HK$17,668
baseline
▲ 0.50% · 4.625%
HK$18,743
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,336/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,495
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,991
−HK$504/mo
Today · 4.125%
HK$19,495
baseline
▲ 0.50% · 4.625%
HK$20,522
+HK$1,027/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,990/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,950
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,571
−HK$630/mo
Today · 4.125%
HK$21,201
baseline
▲ 0.50% · 4.625%
HK$22,491
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$42,402/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,194
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,790
−HK$603/mo
Today · 4.125%
HK$23,393
baseline
▲ 0.50% · 4.625%
HK$24,627
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.37M · min. income ≈ HK$46,786/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,275
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$23,999
−HK$736/mo
Today · 4.125%
HK$24,735
baseline
▲ 0.50% · 4.625%
HK$26,240
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,470/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,893
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,588
−HK$704/mo
Today · 4.125%
HK$27,292
baseline
▲ 0.50% · 4.625%
HK$28,731
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,584/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,925
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,856
−HK$946/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,737
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$906/mo
Today · 4.125%
HK$35,090
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,180/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,727 · 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).