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$16,639
−HK$1,043/mo
▼ 0.25% · 3.875%
HK$17,156
−HK$526/mo
Today · 4.125%
HK$17,682
baseline
▲ 0.50% · 4.625%
HK$18,758
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,364/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,510
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,007
−HK$503/mo
Today · 4.125%
HK$19,510
baseline
▲ 0.50% · 4.625%
HK$20,539
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,020/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,966
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,588
−HK$631/mo
Today · 4.125%
HK$21,219
baseline
▲ 0.50% · 4.625%
HK$22,510
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,438/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,213
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,808
−HK$605/mo
Today · 4.125%
HK$23,413
baseline
▲ 0.50% · 4.625%
HK$24,647
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,826/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,294
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,019
−HK$736/mo
Today · 4.125%
HK$24,755
baseline
▲ 0.50% · 4.625%
HK$26,261
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,510/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,915
−HK$1,400/mo
▼ 0.25% · 3.875%
HK$26,610
−HK$705/mo
Today · 4.125%
HK$27,315
baseline
▲ 0.50% · 4.625%
HK$28,754
+HK$1,439/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,630/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,950
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,881
−HK$947/mo
Today · 4.125%
HK$31,828
baseline
▲ 0.50% · 4.625%
HK$33,764
+HK$1,936/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,656/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,319
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,212
−HK$907/mo
Today · 4.125%
HK$35,119
baseline
▲ 0.50% · 4.625%
HK$36,970
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,238/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,907 · 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).