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$16,695
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$527/mo
Today · 4.125%
HK$17,742
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,484/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$505/mo
Today · 4.125%
HK$19,577
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,154/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$633/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$606/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,374
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$738/mo
Today · 4.125%
HK$24,839
baseline
▲ 0.50% · 4.625%
HK$26,351
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,678/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,003
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$708/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,052
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$949/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,944/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,432
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,329
−HK$910/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,096
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,653 · 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).