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$16,682
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$528/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,056
−HK$505/mo
Today · 4.125%
HK$19,561
baseline
▲ 0.50% · 4.625%
HK$20,592
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,122/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,018
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$633/mo
Today · 4.125%
HK$21,273
baseline
▲ 0.50% · 4.625%
HK$22,568
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,546/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,270
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$606/mo
Today · 4.125%
HK$23,473
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,946/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,081
−HK$738/mo
Today · 4.125%
HK$24,819
baseline
▲ 0.50% · 4.625%
HK$26,329
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,638/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$707/mo
Today · 4.125%
HK$27,385
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,770/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,027
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,961
−HK$949/mo
Today · 4.125%
HK$31,910
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,941/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$63,820/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$909/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,065
+HK$1,856/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,469 · 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).