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$16,661
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$527/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,783
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$505/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$632/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$605/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,326
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,051
−HK$737/mo
Today · 4.125%
HK$24,788
baseline
▲ 0.50% · 4.625%
HK$26,297
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,576/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,645
−HK$706/mo
Today · 4.125%
HK$27,351
baseline
▲ 0.50% · 4.625%
HK$28,793
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,702/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,990
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$948/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,810
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,201 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,364
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,258
−HK$908/mo
Today · 4.125%
HK$35,166
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,332/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,201 · 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).