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$16,646
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,164
−HK$526/mo
Today · 4.125%
HK$17,690
baseline
▲ 0.50% · 4.625%
HK$18,767
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,380/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,519
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,016
−HK$504/mo
Today · 4.125%
HK$19,520
baseline
▲ 0.50% · 4.625%
HK$20,548
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,040/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,976
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,597
−HK$631/mo
Today · 4.125%
HK$21,228
baseline
▲ 0.50% · 4.625%
HK$22,520
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,456/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,223
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,819
−HK$604/mo
Today · 4.125%
HK$23,423
baseline
▲ 0.50% · 4.625%
HK$24,658
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,846/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,305
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,030
−HK$736/mo
Today · 4.125%
HK$24,766
baseline
▲ 0.50% · 4.625%
HK$26,273
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,532/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,927
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,622
−HK$705/mo
Today · 4.125%
HK$27,327
baseline
▲ 0.50% · 4.625%
HK$28,768
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,654/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,964
−HK$1,879/mo
▼ 0.25% · 3.875%
HK$30,896
−HK$947/mo
Today · 4.125%
HK$31,843
baseline
▲ 0.50% · 4.625%
HK$33,780
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,686/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,334
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,228
−HK$907/mo
Today · 4.125%
HK$35,135
baseline
▲ 0.50% · 4.625%
HK$36,987
+HK$1,852/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,270/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,008 · 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).