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$17,153
−HK$525/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$218,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,506
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,003
−HK$503/mo
Today · 4.125%
HK$19,506
baseline
▲ 0.50% · 4.625%
HK$20,535
+HK$1,029/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$218,860 · 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$22,505
+HK$1,291/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$218,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,208
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,803
−HK$605/mo
Today · 4.125%
HK$23,408
baseline
▲ 0.50% · 4.625%
HK$24,641
+HK$1,233/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,816/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,289
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,014
−HK$736/mo
Today · 4.125%
HK$24,750
baseline
▲ 0.50% · 4.625%
HK$26,256
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,500/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,909
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,604
−HK$705/mo
Today · 4.125%
HK$27,309
baseline
▲ 0.50% · 4.625%
HK$28,748
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,618/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,943
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,875
−HK$946/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$218,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,312
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,205
−HK$906/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$218,860 · 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).