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$16,699
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,219
−HK$527/mo
Today · 4.125%
HK$17,746
baseline
▲ 0.50% · 4.625%
HK$18,826
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,492/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,578
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,076
−HK$506/mo
Today · 4.125%
HK$19,582
baseline
▲ 0.50% · 4.625%
HK$20,614
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,164/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,039
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$634/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,293
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$607/mo
Today · 4.125%
HK$23,498
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,996/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,379
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,106
−HK$739/mo
Today · 4.125%
HK$24,845
baseline
▲ 0.50% · 4.625%
HK$26,357
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,690/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,009
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,706
−HK$708/mo
Today · 4.125%
HK$27,414
baseline
▲ 0.50% · 4.625%
HK$28,859
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,828/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,059
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,994
−HK$950/mo
Today · 4.125%
HK$31,944
baseline
▲ 0.50% · 4.625%
HK$33,887
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,888/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,440
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,337
−HK$910/mo
Today · 4.125%
HK$35,247
baseline
▲ 0.50% · 4.625%
HK$37,105
+HK$1,858/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,494/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,703 · 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).