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$18,769
+HK$1,076/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$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,522
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,018
−HK$504/mo
Today · 4.125%
HK$19,522
baseline
▲ 0.50% · 4.625%
HK$20,551
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,044/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,600
−HK$631/mo
Today · 4.125%
HK$21,231
baseline
▲ 0.50% · 4.625%
HK$22,523
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,462/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,226
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,822
−HK$605/mo
Today · 4.125%
HK$23,427
baseline
▲ 0.50% · 4.625%
HK$24,661
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,854/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,308
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,033
−HK$737/mo
Today · 4.125%
HK$24,770
baseline
▲ 0.50% · 4.625%
HK$26,277
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,540/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,930
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,626
−HK$705/mo
Today · 4.125%
HK$27,331
baseline
▲ 0.50% · 4.625%
HK$28,772
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,662/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,968
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,900
−HK$947/mo
Today · 4.125%
HK$31,847
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,694/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,339
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,233
−HK$907/mo
Today · 4.125%
HK$35,140
baseline
▲ 0.50% · 4.625%
HK$36,992
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,280/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,038 · 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).