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$16,647
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$526/mo
Today · 4.125%
HK$17,691
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,382/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,520
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$504/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,977
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,598
−HK$632/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,521
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,224
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,820
−HK$605/mo
Today · 4.125%
HK$23,425
baseline
▲ 0.50% · 4.625%
HK$24,660
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,850/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,306
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,031
−HK$737/mo
Today · 4.125%
HK$24,768
baseline
▲ 0.50% · 4.625%
HK$26,275
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,536/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,928
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,624
−HK$705/mo
Today · 4.125%
HK$27,329
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,658/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,965
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,898
−HK$947/mo
Today · 4.125%
HK$31,845
baseline
▲ 0.50% · 4.625%
HK$33,782
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,690/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,336
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,230
−HK$907/mo
Today · 4.125%
HK$35,137
baseline
▲ 0.50% · 4.625%
HK$36,989
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,274/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,022 · 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).