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$16,674
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,192
−HK$527/mo
Today · 4.125%
HK$17,719
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,438/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,549
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,047
−HK$504/mo
Today · 4.125%
HK$19,551
baseline
▲ 0.50% · 4.625%
HK$20,582
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,102/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,008
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,631
−HK$632/mo
Today · 4.125%
HK$21,263
baseline
▲ 0.50% · 4.625%
HK$22,557
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,526/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,259
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,856
−HK$606/mo
Today · 4.125%
HK$23,462
baseline
▲ 0.50% · 4.625%
HK$24,698
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,924/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,343
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,069
−HK$738/mo
Today · 4.125%
HK$24,807
baseline
▲ 0.50% · 4.625%
HK$26,316
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,614/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,969
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,665
−HK$707/mo
Today · 4.125%
HK$27,372
baseline
▲ 0.50% · 4.625%
HK$28,815
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,744/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,012
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,946
−HK$948/mo
Today · 4.125%
HK$31,894
baseline
▲ 0.50% · 4.625%
HK$33,835
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,788/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,388
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,284
−HK$908/mo
Today · 4.125%
HK$35,192
baseline
▲ 0.50% · 4.625%
HK$37,047
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,384/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,364 · 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).