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$16,643
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$526/mo
Today · 4.125%
HK$17,687
baseline
▲ 0.50% · 4.625%
HK$18,763
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,374/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,515
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,012
−HK$503/mo
Today · 4.125%
HK$19,515
baseline
▲ 0.50% · 4.625%
HK$20,544
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,030/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,972
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,593
−HK$631/mo
Today · 4.125%
HK$21,224
baseline
▲ 0.50% · 4.625%
HK$22,515
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,448/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,218
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,814
−HK$605/mo
Today · 4.125%
HK$23,419
baseline
▲ 0.50% · 4.625%
HK$24,653
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,838/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,300
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,025
−HK$736/mo
Today · 4.125%
HK$24,761
baseline
▲ 0.50% · 4.625%
HK$26,268
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,522/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,921
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,616
−HK$706/mo
Today · 4.125%
HK$27,322
baseline
▲ 0.50% · 4.625%
HK$28,762
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,644/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,957
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,889
−HK$947/mo
Today · 4.125%
HK$31,836
baseline
▲ 0.50% · 4.625%
HK$33,773
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,672/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,327
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,221
−HK$907/mo
Today · 4.125%
HK$35,128
baseline
▲ 0.50% · 4.625%
HK$36,979
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,256/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,963 · 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).