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$16,651
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,169
−HK$526/mo
Today · 4.125%
HK$17,695
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,390/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,524
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,021
−HK$504/mo
Today · 4.125%
HK$19,525
baseline
▲ 0.50% · 4.625%
HK$20,554
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,050/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,982
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,603
−HK$632/mo
Today · 4.125%
HK$21,235
baseline
▲ 0.50% · 4.625%
HK$22,527
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,470/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,229
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,825
−HK$605/mo
Today · 4.125%
HK$23,430
baseline
▲ 0.50% · 4.625%
HK$24,665
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,860/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,312
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,037
−HK$737/mo
Today · 4.125%
HK$24,774
baseline
▲ 0.50% · 4.625%
HK$26,281
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,548/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,934
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,630
−HK$705/mo
Today · 4.125%
HK$27,335
baseline
▲ 0.50% · 4.625%
HK$28,776
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,670/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,972
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,905
−HK$947/mo
Today · 4.125%
HK$31,852
baseline
▲ 0.50% · 4.625%
HK$33,790
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,704/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,344
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,238
−HK$907/mo
Today · 4.125%
HK$35,145
baseline
▲ 0.50% · 4.625%
HK$36,998
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,290/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,072 · 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).