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$16,627
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$526/mo
Today · 4.125%
HK$17,670
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,340/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,497
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,993
−HK$504/mo
Today · 4.125%
HK$19,497
baseline
▲ 0.50% · 4.625%
HK$20,524
+HK$1,027/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,994/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,952
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,573
−HK$631/mo
Today · 4.125%
HK$21,204
baseline
▲ 0.50% · 4.625%
HK$22,494
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,408/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,197
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,792
−HK$604/mo
Today · 4.125%
HK$23,396
baseline
▲ 0.50% · 4.625%
HK$24,629
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,792/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,278
−HK$1,459/mo
▼ 0.25% · 3.875%
HK$24,002
−HK$735/mo
Today · 4.125%
HK$24,737
baseline
▲ 0.50% · 4.625%
HK$26,243
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,474/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,896
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,591
−HK$704/mo
Today · 4.125%
HK$27,295
baseline
▲ 0.50% · 4.625%
HK$28,734
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,590/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,929
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$946/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,295
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,188
−HK$906/mo
Today · 4.125%
HK$35,094
baseline
▲ 0.50% · 4.625%
HK$36,944
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,188/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,752 · 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).