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$16,688
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$528/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,566
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$506/mo
Today · 4.125%
HK$19,569
baseline
▲ 0.50% · 4.625%
HK$20,600
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,138/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,649
−HK$633/mo
Today · 4.125%
HK$21,282
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,564/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,279
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$606/mo
Today · 4.125%
HK$23,482
baseline
▲ 0.50% · 4.625%
HK$24,720
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,964/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,364
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,090
−HK$739/mo
Today · 4.125%
HK$24,829
baseline
▲ 0.50% · 4.625%
HK$26,339
+HK$1,510/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,658/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,992
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,689
−HK$707/mo
Today · 4.125%
HK$27,396
baseline
▲ 0.50% · 4.625%
HK$28,840
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,792/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,039
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,973
−HK$950/mo
Today · 4.125%
HK$31,923
baseline
▲ 0.50% · 4.625%
HK$33,865
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,846/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,418
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,314
−HK$909/mo
Today · 4.125%
HK$35,223
baseline
▲ 0.50% · 4.625%
HK$37,080
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,446/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,558 · 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).