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$16,712
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$528/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,840
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,592
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,090
−HK$506/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$634/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$607/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,396
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,124
−HK$740/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,376
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,028
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,726
−HK$708/mo
Today · 4.125%
HK$27,434
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,868/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,081
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$950/mo
Today · 4.125%
HK$31,967
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,946/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,934/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,362
−HK$911/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,132
+HK$1,859/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,867 · 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).