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$16,650
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$527/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,771
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,523
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,020
−HK$504/mo
Today · 4.125%
HK$19,524
baseline
▲ 0.50% · 4.625%
HK$20,553
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,048/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,981
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,602
−HK$631/mo
Today · 4.125%
HK$21,233
baseline
▲ 0.50% · 4.625%
HK$22,525
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,466/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,228
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,824
−HK$605/mo
Today · 4.125%
HK$23,429
baseline
▲ 0.50% · 4.625%
HK$24,664
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,858/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,311
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,036
−HK$736/mo
Today · 4.125%
HK$24,772
baseline
▲ 0.50% · 4.625%
HK$26,280
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,544/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,933
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,628
−HK$706/mo
Today · 4.125%
HK$27,334
baseline
▲ 0.50% · 4.625%
HK$28,775
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,668/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,971
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,903
−HK$947/mo
Today · 4.125%
HK$31,850
baseline
▲ 0.50% · 4.625%
HK$33,788
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,700/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,342
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,236
−HK$908/mo
Today · 4.125%
HK$35,144
baseline
▲ 0.50% · 4.625%
HK$36,996
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,288/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,061 · 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).