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$16,637
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$526/mo
Today · 4.125%
HK$17,681
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,362/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,509
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,005
−HK$504/mo
Today · 4.125%
HK$19,509
baseline
▲ 0.50% · 4.625%
HK$20,537
+HK$1,028/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,018/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,965
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,586
−HK$631/mo
Today · 4.125%
HK$21,217
baseline
▲ 0.50% · 4.625%
HK$22,508
+HK$1,291/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,434/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,211
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$22,806
−HK$605/mo
Today · 4.125%
HK$23,411
baseline
▲ 0.50% · 4.625%
HK$24,645
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,822/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,292
−HK$1,461/mo
▼ 0.25% · 3.875%
HK$24,017
−HK$736/mo
Today · 4.125%
HK$24,753
baseline
▲ 0.50% · 4.625%
HK$26,259
+HK$1,506/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,506/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,913
−HK$1,399/mo
▼ 0.25% · 3.875%
HK$26,607
−HK$705/mo
Today · 4.125%
HK$27,312
baseline
▲ 0.50% · 4.625%
HK$28,752
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,624/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,947
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,879
−HK$946/mo
Today · 4.125%
HK$31,825
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,650/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,316
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,210
−HK$906/mo
Today · 4.125%
HK$35,116
baseline
▲ 0.50% · 4.625%
HK$36,967
+HK$1,851/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,232/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$218,889 · 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).