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$16,640
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,158
−HK$525/mo
Today · 4.125%
HK$17,683
baseline
▲ 0.50% · 4.625%
HK$18,759
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,366/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,512
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,008
−HK$504/mo
Today · 4.125%
HK$19,512
baseline
▲ 0.50% · 4.625%
HK$20,540
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,024/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,968
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,589
−HK$631/mo
Today · 4.125%
HK$21,220
baseline
▲ 0.50% · 4.625%
HK$22,511
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,440/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,214
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,810
−HK$604/mo
Today · 4.125%
HK$23,414
baseline
▲ 0.50% · 4.625%
HK$24,649
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,828/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,296
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,021
−HK$736/mo
Today · 4.125%
HK$24,757
baseline
▲ 0.50% · 4.625%
HK$26,263
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,514/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,916
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,612
−HK$705/mo
Today · 4.125%
HK$27,317
baseline
▲ 0.50% · 4.625%
HK$28,757
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,634/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,952
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,884
−HK$946/mo
Today · 4.125%
HK$31,830
baseline
▲ 0.50% · 4.625%
HK$33,767
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,660/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,321
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,215
−HK$906/mo
Today · 4.125%
HK$35,121
baseline
▲ 0.50% · 4.625%
HK$36,973
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,242/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,923 · 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).