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$16,641
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$526/mo
Today · 4.125%
HK$17,685
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,370/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$503/mo
Today · 4.125%
HK$19,513
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,026/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,969
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,590
−HK$632/mo
Today · 4.125%
HK$21,222
baseline
▲ 0.50% · 4.625%
HK$22,513
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,444/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,811
−HK$605/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,650
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,832/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,297
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,022
−HK$736/mo
Today · 4.125%
HK$24,758
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,516/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,918
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,613
−HK$705/mo
Today · 4.125%
HK$27,318
baseline
▲ 0.50% · 4.625%
HK$28,758
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,636/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,954
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$946/mo
Today · 4.125%
HK$31,832
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,664/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,323
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,217
−HK$907/mo
Today · 4.125%
HK$35,124
baseline
▲ 0.50% · 4.625%
HK$36,975
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,248/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,937 · 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).