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$16,633
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$526/mo
Today · 4.125%
HK$17,676
baseline
▲ 0.50% · 4.625%
HK$18,752
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,352/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,504
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,000
−HK$504/mo
Today · 4.125%
HK$19,504
baseline
▲ 0.50% · 4.625%
HK$20,532
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,008/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,960
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,580
−HK$631/mo
Today · 4.125%
HK$21,211
baseline
▲ 0.50% · 4.625%
HK$22,502
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,422/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,205
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,800
−HK$604/mo
Today · 4.125%
HK$23,404
baseline
▲ 0.50% · 4.625%
HK$24,638
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,808/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,286
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,010
−HK$736/mo
Today · 4.125%
HK$24,746
baseline
▲ 0.50% · 4.625%
HK$26,252
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,492/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,906
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,600
−HK$705/mo
Today · 4.125%
HK$27,305
baseline
▲ 0.50% · 4.625%
HK$28,744
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,610/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,939
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,871
−HK$946/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,307
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$907/mo
Today · 4.125%
HK$35,107
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,214/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,830 · 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).