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$16,676
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,195
−HK$527/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,800
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,444/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,552
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,050
−HK$505/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,585
+HK$1,030/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,012
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$633/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,860
−HK$606/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,702
+HK$1,236/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,347
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,073
−HK$738/mo
Today · 4.125%
HK$24,811
baseline
▲ 0.50% · 4.625%
HK$26,321
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,622/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,973
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,670
−HK$706/mo
Today · 4.125%
HK$27,376
baseline
▲ 0.50% · 4.625%
HK$28,819
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,752/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,017
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,951
−HK$949/mo
Today · 4.125%
HK$31,900
baseline
▲ 0.50% · 4.625%
HK$33,841
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,800/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,402 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,394
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,290
−HK$908/mo
Today · 4.125%
HK$35,198
baseline
▲ 0.50% · 4.625%
HK$37,054
+HK$1,856/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,396/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,402 · 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).