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$16,649
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$526/mo
Today · 4.125%
HK$17,693
baseline
▲ 0.50% · 4.625%
HK$18,770
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,386/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,019
−HK$504/mo
Today · 4.125%
HK$19,523
baseline
▲ 0.50% · 4.625%
HK$20,552
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,046/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,979
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,601
−HK$631/mo
Today · 4.125%
HK$21,232
baseline
▲ 0.50% · 4.625%
HK$22,524
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,464/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,227
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,823
−HK$605/mo
Today · 4.125%
HK$23,428
baseline
▲ 0.50% · 4.625%
HK$24,663
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,856/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,309
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,034
−HK$737/mo
Today · 4.125%
HK$24,771
baseline
▲ 0.50% · 4.625%
HK$26,278
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,542/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,931
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,627
−HK$705/mo
Today · 4.125%
HK$27,332
baseline
▲ 0.50% · 4.625%
HK$28,773
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,664/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,969
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,901
−HK$947/mo
Today · 4.125%
HK$31,848
baseline
▲ 0.50% · 4.625%
HK$33,786
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,696/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,340
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,234
−HK$907/mo
Today · 4.125%
HK$35,141
baseline
▲ 0.50% · 4.625%
HK$36,994
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,282/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,047 · 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).