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$16,648
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$526/mo
Today · 4.125%
HK$17,692
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$1,076/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,384/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,521
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$19,017
−HK$504/mo
Today · 4.125%
HK$19,521
baseline
▲ 0.50% · 4.625%
HK$20,550
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,042/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,978
−HK$1,252/mo
▼ 0.25% · 3.875%
HK$20,599
−HK$631/mo
Today · 4.125%
HK$21,230
baseline
▲ 0.50% · 4.625%
HK$22,522
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,460/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,225
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,821
−HK$605/mo
Today · 4.125%
HK$23,426
baseline
▲ 0.50% · 4.625%
HK$24,660
+HK$1,234/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,852/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,307
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,032
−HK$737/mo
Today · 4.125%
HK$24,769
baseline
▲ 0.50% · 4.625%
HK$26,276
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,538/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,929
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,624
−HK$706/mo
Today · 4.125%
HK$27,330
baseline
▲ 0.50% · 4.625%
HK$28,770
+HK$1,440/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,660/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,966
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,899
−HK$947/mo
Today · 4.125%
HK$31,846
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,937/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,692/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,337
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,231
−HK$907/mo
Today · 4.125%
HK$35,138
baseline
▲ 0.50% · 4.625%
HK$36,991
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,276/mo (50% DSR)
Upfront cash ≈ HK$949K (deposit + AVD stamp duty HK$219,028 · 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).