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$16,686
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,205
−HK$527/mo
Today · 4.125%
HK$17,732
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,464/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,563
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,061
−HK$505/mo
Today · 4.125%
HK$19,566
baseline
▲ 0.50% · 4.625%
HK$20,597
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,132/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,023
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,646
−HK$633/mo
Today · 4.125%
HK$21,279
baseline
▲ 0.50% · 4.625%
HK$22,574
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,558/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,276
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,873
−HK$606/mo
Today · 4.125%
HK$23,479
baseline
▲ 0.50% · 4.625%
HK$24,717
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,958/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,361
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,087
−HK$738/mo
Today · 4.125%
HK$24,825
baseline
▲ 0.50% · 4.625%
HK$26,336
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,650/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,988
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,685
−HK$707/mo
Today · 4.125%
HK$27,392
baseline
▲ 0.50% · 4.625%
HK$28,836
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,784/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,035
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,969
−HK$949/mo
Today · 4.125%
HK$31,918
baseline
▲ 0.50% · 4.625%
HK$33,861
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,836/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,414
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,310
−HK$909/mo
Today · 4.125%
HK$35,219
baseline
▲ 0.50% · 4.625%
HK$37,075
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,438/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,530 · 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).