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$16,658
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$527/mo
Today · 4.125%
HK$17,703
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,406/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,532
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,029
−HK$504/mo
Today · 4.125%
HK$19,533
baseline
▲ 0.50% · 4.625%
HK$20,563
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,066/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,990
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,612
−HK$631/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,536
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,835
−HK$605/mo
Today · 4.125%
HK$23,440
baseline
▲ 0.50% · 4.625%
HK$24,676
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,880/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,047
−HK$737/mo
Today · 4.125%
HK$24,784
baseline
▲ 0.50% · 4.625%
HK$26,292
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,568/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,945
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,641
−HK$706/mo
Today · 4.125%
HK$27,347
baseline
▲ 0.50% · 4.625%
HK$28,788
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,694/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,985
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,918
−HK$947/mo
Today · 4.125%
HK$31,865
baseline
▲ 0.50% · 4.625%
HK$33,804
+HK$1,939/mo
Deposit HK$731K · loan HK$6.57M · min. income ≈ HK$63,730/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,358
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,253
−HK$907/mo
Today · 4.125%
HK$35,160
baseline
▲ 0.50% · 4.625%
HK$37,013
+HK$1,853/mo
Deposit HK$731K · loan HK$6.57M · min. income ≈ HK$70,320/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,164 · 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).