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$16,707
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,226
−HK$528/mo
Today · 4.125%
HK$17,754
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$1,081/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,508/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,586
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,084
−HK$506/mo
Today · 4.125%
HK$19,590
baseline
▲ 0.50% · 4.625%
HK$20,623
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,180/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,672
−HK$633/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,601
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,303
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,901
−HK$607/mo
Today · 4.125%
HK$23,508
baseline
▲ 0.50% · 4.625%
HK$24,747
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,016/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,389
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$739/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,368
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,020
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,718
−HK$708/mo
Today · 4.125%
HK$27,426
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,852/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,007
−HK$951/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,902
+HK$1,944/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$910/mo
Today · 4.125%
HK$35,262
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$1,859/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,524/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,800 · 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).