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$16,654
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,172
−HK$527/mo
Today · 4.125%
HK$17,699
baseline
▲ 0.50% · 4.625%
HK$18,776
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,398/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,528
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,025
−HK$504/mo
Today · 4.125%
HK$19,529
baseline
▲ 0.50% · 4.625%
HK$20,558
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,058/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,985
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,607
−HK$632/mo
Today · 4.125%
HK$21,239
baseline
▲ 0.50% · 4.625%
HK$22,531
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,478/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,233
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,830
−HK$605/mo
Today · 4.125%
HK$23,435
baseline
▲ 0.50% · 4.625%
HK$24,670
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,870/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,316
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,041
−HK$737/mo
Today · 4.125%
HK$24,778
baseline
▲ 0.50% · 4.625%
HK$26,286
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,556/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,939
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,635
−HK$705/mo
Today · 4.125%
HK$27,340
baseline
▲ 0.50% · 4.625%
HK$28,782
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,680/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,978
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,910
−HK$948/mo
Today · 4.125%
HK$31,858
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,716/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,350
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,245
−HK$907/mo
Today · 4.125%
HK$35,152
baseline
▲ 0.50% · 4.625%
HK$37,005
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,304/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,113 · 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).