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$16,656
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$526/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,026
−HK$505/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$631/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$605/mo
Today · 4.125%
HK$23,437
baseline
▲ 0.50% · 4.625%
HK$24,672
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,874/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,318
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$736/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,288
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,941
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,637
−HK$706/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$28,784
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,981
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,913
−HK$948/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,353
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$907/mo
Today · 4.125%
HK$35,155
baseline
▲ 0.50% · 4.625%
HK$37,008
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,310/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,132 · 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).