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$16,652
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$527/mo
Today · 4.125%
HK$17,697
baseline
▲ 0.50% · 4.625%
HK$18,773
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,394/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,526
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,022
−HK$504/mo
Today · 4.125%
HK$19,526
baseline
▲ 0.50% · 4.625%
HK$20,556
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,052/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,983
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,604
−HK$632/mo
Today · 4.125%
HK$21,236
baseline
▲ 0.50% · 4.625%
HK$22,528
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,472/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,231
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,827
−HK$605/mo
Today · 4.125%
HK$23,432
baseline
▲ 0.50% · 4.625%
HK$24,667
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,864/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,313
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,038
−HK$737/mo
Today · 4.125%
HK$24,775
baseline
▲ 0.50% · 4.625%
HK$26,283
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,550/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,936
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,631
−HK$706/mo
Today · 4.125%
HK$27,337
baseline
▲ 0.50% · 4.625%
HK$28,778
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,674/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,974
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,907
−HK$947/mo
Today · 4.125%
HK$31,854
baseline
▲ 0.50% · 4.625%
HK$33,792
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,708/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,346
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,240
−HK$908/mo
Today · 4.125%
HK$35,148
baseline
▲ 0.50% · 4.625%
HK$37,000
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,296/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,086 · 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).