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$16,697
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,216
−HK$528/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,823
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,488/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,575
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,073
−HK$506/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,611
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,036
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,659
−HK$634/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,588
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,586/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,290
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,888
−HK$606/mo
Today · 4.125%
HK$23,494
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,988/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,375
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$738/mo
Today · 4.125%
HK$24,841
baseline
▲ 0.50% · 4.625%
HK$26,353
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,682/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,005
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,702
−HK$708/mo
Today · 4.125%
HK$27,410
baseline
▲ 0.50% · 4.625%
HK$28,855
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,820/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,054
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,989
−HK$950/mo
Today · 4.125%
HK$31,939
baseline
▲ 0.50% · 4.625%
HK$33,882
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,878/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,670 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,435
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,332
−HK$909/mo
Today · 4.125%
HK$35,241
baseline
▲ 0.50% · 4.625%
HK$37,099
+HK$1,858/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,482/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,670 · 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).