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$16,683
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$528/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,560
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,058
−HK$505/mo
Today · 4.125%
HK$19,563
baseline
▲ 0.50% · 4.625%
HK$20,594
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,126/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,020
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$632/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,570
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,272
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,869
−HK$606/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,357
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,083
−HK$738/mo
Today · 4.125%
HK$24,821
baseline
▲ 0.50% · 4.625%
HK$26,332
+HK$1,511/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,642/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,984
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,681
−HK$707/mo
Today · 4.125%
HK$27,388
baseline
▲ 0.50% · 4.625%
HK$28,832
+HK$1,444/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,776/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,030
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,964
−HK$949/mo
Today · 4.125%
HK$31,913
baseline
▲ 0.50% · 4.625%
HK$33,855
+HK$1,942/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$63,826/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,408
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,304
−HK$909/mo
Today · 4.125%
HK$35,213
baseline
▲ 0.50% · 4.625%
HK$37,069
+HK$1,856/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$70,426/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,493 · 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).