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$16,637
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$526/mo
Today · 4.125%
HK$17,680
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,360/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,508
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$503/mo
Today · 4.125%
HK$19,508
baseline
▲ 0.50% · 4.625%
HK$20,536
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,016/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,964
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,585
−HK$631/mo
Today · 4.125%
HK$21,216
baseline
▲ 0.50% · 4.625%
HK$22,507
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,432/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,210
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$604/mo
Today · 4.125%
HK$23,410
baseline
▲ 0.50% · 4.625%
HK$24,644
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,820/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,291
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,016
−HK$736/mo
Today · 4.125%
HK$24,752
baseline
▲ 0.50% · 4.625%
HK$26,258
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,504/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,912
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,606
−HK$705/mo
Today · 4.125%
HK$27,311
baseline
▲ 0.50% · 4.625%
HK$28,751
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,622/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,946
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,878
−HK$946/mo
Today · 4.125%
HK$31,824
baseline
▲ 0.50% · 4.625%
HK$33,761
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,648/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,315
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,208
−HK$907/mo
Today · 4.125%
HK$35,115
baseline
▲ 0.50% · 4.625%
HK$36,966
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,230/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,881 · 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).