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$16,628
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$526/mo
Today · 4.125%
HK$17,671
baseline
▲ 0.50% · 4.625%
HK$18,746
+HK$1,075/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,342/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,498
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$18,994
−HK$504/mo
Today · 4.125%
HK$19,498
baseline
▲ 0.50% · 4.625%
HK$20,526
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$38,996/mo (50% DSR)
Upfront cash ≈ HK$3.86M (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,953
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,574
−HK$631/mo
Today · 4.125%
HK$21,205
baseline
▲ 0.50% · 4.625%
HK$22,495
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,410/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,198
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,793
−HK$604/mo
Today · 4.125%
HK$23,397
baseline
▲ 0.50% · 4.625%
HK$24,631
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,794/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,279
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,003
−HK$736/mo
Today · 4.125%
HK$24,739
baseline
▲ 0.50% · 4.625%
HK$26,244
+HK$1,505/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$49,478/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,898
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,592
−HK$705/mo
Today · 4.125%
HK$27,297
baseline
▲ 0.50% · 4.625%
HK$28,736
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.10M · min. income ≈ HK$54,594/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,930
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$946/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,936/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,297
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$906/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$1,850/mo
Deposit HK$729K · loan HK$6.56M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,764 · 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).