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$16,684
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,203
−HK$528/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,561
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$505/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,595
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$633/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,871
−HK$606/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,358
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$738/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,333
+HK$1,510/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$707/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$28,833
+HK$1,443/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,032
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,966
−HK$949/mo
Today · 4.125%
HK$31,915
baseline
▲ 0.50% · 4.625%
HK$33,857
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,830/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,410
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,306
−HK$909/mo
Today · 4.125%
HK$35,215
baseline
▲ 0.50% · 4.625%
HK$37,071
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,430/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,507 · 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).