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$16,629
−HK$1,042/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$525/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,499
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,995
−HK$504/mo
Today · 4.125%
HK$19,499
baseline
▲ 0.50% · 4.625%
HK$20,527
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,998/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,954
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,575
−HK$631/mo
Today · 4.125%
HK$21,206
baseline
▲ 0.50% · 4.625%
HK$22,496
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,412/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,199
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,795
−HK$603/mo
Today · 4.125%
HK$23,398
baseline
▲ 0.50% · 4.625%
HK$24,632
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,796/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,280
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,004
−HK$736/mo
Today · 4.125%
HK$24,740
baseline
▲ 0.50% · 4.625%
HK$26,245
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,480/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,899
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,594
−HK$704/mo
Today · 4.125%
HK$27,298
baseline
▲ 0.50% · 4.625%
HK$28,737
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,596/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,932
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,863
−HK$946/mo
Today · 4.125%
HK$31,809
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,935/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,618/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,299
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,192
−HK$906/mo
Today · 4.125%
HK$35,098
baseline
▲ 0.50% · 4.625%
HK$36,948
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,196/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,775 · 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).