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$16,635
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,152
−HK$526/mo
Today · 4.125%
HK$17,678
baseline
▲ 0.50% · 4.625%
HK$18,754
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,356/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,002
−HK$504/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,534
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,012/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,962
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,583
−HK$631/mo
Today · 4.125%
HK$21,214
baseline
▲ 0.50% · 4.625%
HK$22,504
+HK$1,290/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,428/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,207
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$604/mo
Today · 4.125%
HK$23,407
baseline
▲ 0.50% · 4.625%
HK$24,641
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,814/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,289
−HK$1,460/mo
▼ 0.25% · 3.875%
HK$24,013
−HK$736/mo
Today · 4.125%
HK$24,749
baseline
▲ 0.50% · 4.625%
HK$26,255
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,498/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,603
−HK$705/mo
Today · 4.125%
HK$27,308
baseline
▲ 0.50% · 4.625%
HK$28,748
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,616/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,874
−HK$947/mo
Today · 4.125%
HK$31,821
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,936/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,642/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,311
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,204
−HK$907/mo
Today · 4.125%
HK$35,111
baseline
▲ 0.50% · 4.625%
HK$36,962
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,222/mo (50% DSR)
Upfront cash ≈ HK$948K (deposit + AVD stamp duty HK$218,856 · 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).