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$16,708
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,228
−HK$528/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,588
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$506/mo
Today · 4.125%
HK$19,592
baseline
▲ 0.50% · 4.625%
HK$20,625
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,184/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,050
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$633/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,604
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$607/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,750
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,392
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,119
−HK$739/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,371
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,023
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,721
−HK$708/mo
Today · 4.125%
HK$27,429
baseline
▲ 0.50% · 4.625%
HK$28,875
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,858/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,075
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,010
−HK$951/mo
Today · 4.125%
HK$31,961
baseline
▲ 0.50% · 4.625%
HK$33,905
+HK$1,944/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,922/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,458
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,355
−HK$911/mo
Today · 4.125%
HK$35,266
baseline
▲ 0.50% · 4.625%
HK$37,124
+HK$1,858/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,532/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,821 · 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).