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$16,657
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,175
−HK$527/mo
Today · 4.125%
HK$17,702
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,404/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,531
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,028
−HK$504/mo
Today · 4.125%
HK$19,532
baseline
▲ 0.50% · 4.625%
HK$20,562
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,064/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,610
−HK$632/mo
Today · 4.125%
HK$21,242
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,484/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,237
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$605/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,674
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,320
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,045
−HK$737/mo
Today · 4.125%
HK$24,782
baseline
▲ 0.50% · 4.625%
HK$26,290
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,564/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,943
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,639
−HK$706/mo
Today · 4.125%
HK$27,345
baseline
▲ 0.50% · 4.625%
HK$28,786
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,690/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,983
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,916
−HK$947/mo
Today · 4.125%
HK$31,863
baseline
▲ 0.50% · 4.625%
HK$33,802
+HK$1,939/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,726/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,356
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,250
−HK$908/mo
Today · 4.125%
HK$35,158
baseline
▲ 0.50% · 4.625%
HK$37,011
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,316/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,149 · 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).