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$16,677
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$527/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,554
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$505/mo
Today · 4.125%
HK$19,556
baseline
▲ 0.50% · 4.625%
HK$20,587
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,112/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,635
−HK$633/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$606/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,704
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,348
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,075
−HK$738/mo
Today · 4.125%
HK$24,813
baseline
▲ 0.50% · 4.625%
HK$26,322
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,626/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,975
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,672
−HK$706/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$28,821
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,953
−HK$949/mo
Today · 4.125%
HK$31,902
baseline
▲ 0.50% · 4.625%
HK$33,843
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,804/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,396
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,292
−HK$909/mo
Today · 4.125%
HK$35,201
baseline
▲ 0.50% · 4.625%
HK$37,056
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,402/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,416 · 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).