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$16,630
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,148
−HK$525/mo
Today · 4.125%
HK$17,673
baseline
▲ 0.50% · 4.625%
HK$18,749
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,346/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,501
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,997
−HK$504/mo
Today · 4.125%
HK$19,501
baseline
▲ 0.50% · 4.625%
HK$20,529
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,002/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,957
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,577
−HK$631/mo
Today · 4.125%
HK$21,208
baseline
▲ 0.50% · 4.625%
HK$22,498
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,416/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,201
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,797
−HK$604/mo
Today · 4.125%
HK$23,401
baseline
▲ 0.50% · 4.625%
HK$24,634
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,802/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,283
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,007
−HK$736/mo
Today · 4.125%
HK$24,743
baseline
▲ 0.50% · 4.625%
HK$26,248
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,486/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,902
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,596
−HK$705/mo
Today · 4.125%
HK$27,301
baseline
▲ 0.50% · 4.625%
HK$28,740
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,602/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,935
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,866
−HK$946/mo
Today · 4.125%
HK$31,812
baseline
▲ 0.50% · 4.625%
HK$33,748
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,624/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,302
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$906/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$36,952
+HK$1,851/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,798 · 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).