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$16,665
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,184
−HK$526/mo
Today · 4.125%
HK$17,710
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,420/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,540
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,037
−HK$505/mo
Today · 4.125%
HK$19,542
baseline
▲ 0.50% · 4.625%
HK$20,572
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,084/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,621
−HK$632/mo
Today · 4.125%
HK$21,253
baseline
▲ 0.50% · 4.625%
HK$22,546
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,506/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,845
−HK$605/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,686
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,332
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,057
−HK$738/mo
Today · 4.125%
HK$24,795
baseline
▲ 0.50% · 4.625%
HK$26,303
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,590/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,956
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,652
−HK$706/mo
Today · 4.125%
HK$27,358
baseline
▲ 0.50% · 4.625%
HK$28,801
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,716/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,998
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,931
−HK$948/mo
Today · 4.125%
HK$31,879
baseline
▲ 0.50% · 4.625%
HK$33,819
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,758/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,372
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,267
−HK$908/mo
Today · 4.125%
HK$35,175
baseline
▲ 0.50% · 4.625%
HK$37,029
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,350/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,258 · 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).