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$16,644
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$526/mo
Today · 4.125%
HK$17,687
baseline
▲ 0.50% · 4.625%
HK$18,764
+HK$1,077/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$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,516
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,012
−HK$504/mo
Today · 4.125%
HK$19,516
baseline
▲ 0.50% · 4.625%
HK$20,545
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,032/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,972
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,594
−HK$631/mo
Today · 4.125%
HK$21,225
baseline
▲ 0.50% · 4.625%
HK$22,516
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,450/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,219
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,815
−HK$605/mo
Today · 4.125%
HK$23,420
baseline
▲ 0.50% · 4.625%
HK$24,654
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,840/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,301
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,026
−HK$736/mo
Today · 4.125%
HK$24,762
baseline
▲ 0.50% · 4.625%
HK$26,269
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,524/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,922
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,617
−HK$706/mo
Today · 4.125%
HK$27,323
baseline
▲ 0.50% · 4.625%
HK$28,763
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,646/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,959
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,890
−HK$947/mo
Today · 4.125%
HK$31,837
baseline
▲ 0.50% · 4.625%
HK$33,774
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,674/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,329
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,222
−HK$907/mo
Today · 4.125%
HK$35,129
baseline
▲ 0.50% · 4.625%
HK$36,981
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,258/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,971 · 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).