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$16,672
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,191
−HK$527/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,796
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,548
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,045
−HK$505/mo
Today · 4.125%
HK$19,550
baseline
▲ 0.50% · 4.625%
HK$20,580
+HK$1,030/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,100/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,007
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,629
−HK$632/mo
Today · 4.125%
HK$21,261
baseline
▲ 0.50% · 4.625%
HK$22,555
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,522/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,257
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,854
−HK$606/mo
Today · 4.125%
HK$23,460
baseline
▲ 0.50% · 4.625%
HK$24,697
+HK$1,237/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,920/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,341
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,067
−HK$738/mo
Today · 4.125%
HK$24,805
baseline
▲ 0.50% · 4.625%
HK$26,314
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,610/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,967
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,663
−HK$707/mo
Today · 4.125%
HK$27,370
baseline
▲ 0.50% · 4.625%
HK$28,813
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,740/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,010
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,944
−HK$948/mo
Today · 4.125%
HK$31,892
baseline
▲ 0.50% · 4.625%
HK$33,833
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,784/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,386
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,282
−HK$908/mo
Today · 4.125%
HK$35,190
baseline
▲ 0.50% · 4.625%
HK$37,045
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,380/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,349 · 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).