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$16,720
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,240
−HK$529/mo
Today · 4.125%
HK$17,769
baseline
▲ 0.50% · 4.625%
HK$18,850
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,538/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,601
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,100
−HK$506/mo
Today · 4.125%
HK$19,606
baseline
▲ 0.50% · 4.625%
HK$20,639
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,212/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$634/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$607/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,408
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,136
−HK$740/mo
Today · 4.125%
HK$24,876
baseline
▲ 0.50% · 4.625%
HK$26,390
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,752/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,041
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,740
−HK$708/mo
Today · 4.125%
HK$27,448
baseline
▲ 0.50% · 4.625%
HK$28,895
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,896/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,096
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,032
−HK$952/mo
Today · 4.125%
HK$31,984
baseline
▲ 0.50% · 4.625%
HK$33,930
+HK$1,946/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,968/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,482
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,380
−HK$911/mo
Today · 4.125%
HK$35,291
baseline
▲ 0.50% · 4.625%
HK$37,151
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,582/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,978 · 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).