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$16,678
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,197
−HK$527/mo
Today · 4.125%
HK$17,724
baseline
▲ 0.50% · 4.625%
HK$18,803
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,448/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,555
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,052
−HK$505/mo
Today · 4.125%
HK$19,557
baseline
▲ 0.50% · 4.625%
HK$20,588
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,114/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,014
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$632/mo
Today · 4.125%
HK$21,269
baseline
▲ 0.50% · 4.625%
HK$22,563
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,538/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,265
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$605/mo
Today · 4.125%
HK$23,468
baseline
▲ 0.50% · 4.625%
HK$24,705
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,936/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,076
−HK$738/mo
Today · 4.125%
HK$24,814
baseline
▲ 0.50% · 4.625%
HK$26,324
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,628/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,976
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,673
−HK$707/mo
Today · 4.125%
HK$27,380
baseline
▲ 0.50% · 4.625%
HK$28,823
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,760/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,021
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,955
−HK$949/mo
Today · 4.125%
HK$31,904
baseline
▲ 0.50% · 4.625%
HK$33,845
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,808/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,398
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,294
−HK$909/mo
Today · 4.125%
HK$35,203
baseline
▲ 0.50% · 4.625%
HK$37,058
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,406/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,428 · 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).