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$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,513
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,010
−HK$504/mo
Today · 4.125%
HK$19,514
baseline
▲ 0.50% · 4.625%
HK$20,542
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,028/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,970
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,591
−HK$631/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$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,216
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,812
−HK$604/mo
Today · 4.125%
HK$23,416
baseline
▲ 0.50% · 4.625%
HK$24,651
+HK$1,235/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$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,298
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,023
−HK$736/mo
Today · 4.125%
HK$24,759
baseline
▲ 0.50% · 4.625%
HK$26,265
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,518/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,919
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,614
−HK$705/mo
Today · 4.125%
HK$27,319
baseline
▲ 0.50% · 4.625%
HK$28,759
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,638/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,955
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$947/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$907/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$36,976
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,942 · 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).