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$16,662
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,181
−HK$526/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,537
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,034
−HK$504/mo
Today · 4.125%
HK$19,538
baseline
▲ 0.50% · 4.625%
HK$20,568
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,076/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$632/mo
Today · 4.125%
HK$21,249
baseline
▲ 0.50% · 4.625%
HK$22,542
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,498/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,244
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,841
−HK$605/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,682
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,327
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,053
−HK$737/mo
Today · 4.125%
HK$24,790
baseline
▲ 0.50% · 4.625%
HK$26,299
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,580/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,951
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,647
−HK$706/mo
Today · 4.125%
HK$27,353
baseline
▲ 0.50% · 4.625%
HK$28,795
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,706/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,992
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,925
−HK$948/mo
Today · 4.125%
HK$31,873
baseline
▲ 0.50% · 4.625%
HK$33,812
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,746/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,366
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,261
−HK$908/mo
Today · 4.125%
HK$35,169
baseline
▲ 0.50% · 4.625%
HK$37,022
+HK$1,853/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,338/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,217 · 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).