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$16,687
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,206
−HK$527/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,812
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,564
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,062
−HK$505/mo
Today · 4.125%
HK$19,567
baseline
▲ 0.50% · 4.625%
HK$20,598
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,134/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,024
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$633/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,575
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,874
−HK$606/mo
Today · 4.125%
HK$23,480
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,960/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,362
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,088
−HK$739/mo
Today · 4.125%
HK$24,827
baseline
▲ 0.50% · 4.625%
HK$26,337
+HK$1,510/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,654/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,990
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,687
−HK$707/mo
Today · 4.125%
HK$27,394
baseline
▲ 0.50% · 4.625%
HK$28,838
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,788/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,036
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,971
−HK$949/mo
Today · 4.125%
HK$31,920
baseline
▲ 0.50% · 4.625%
HK$33,862
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,840/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,415
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,311
−HK$910/mo
Today · 4.125%
HK$35,221
baseline
▲ 0.50% · 4.625%
HK$37,077
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,442/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,540 · 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).