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$16,671
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,189
−HK$527/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,546
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,043
−HK$505/mo
Today · 4.125%
HK$19,548
baseline
▲ 0.50% · 4.625%
HK$20,578
+HK$1,030/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,096/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,627
−HK$632/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,255
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$605/mo
Today · 4.125%
HK$23,457
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,237/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,914/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,339
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,065
−HK$737/mo
Today · 4.125%
HK$24,802
baseline
▲ 0.50% · 4.625%
HK$26,312
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,604/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,964
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,661
−HK$706/mo
Today · 4.125%
HK$27,367
baseline
▲ 0.50% · 4.625%
HK$28,810
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,734/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,007
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,941
−HK$948/mo
Today · 4.125%
HK$31,889
baseline
▲ 0.50% · 4.625%
HK$33,829
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,778/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,326 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,383
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,278
−HK$908/mo
Today · 4.125%
HK$35,186
baseline
▲ 0.50% · 4.625%
HK$37,041
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,372/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,326 · 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).