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$16,710
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,230
−HK$528/mo
Today · 4.125%
HK$17,758
baseline
▲ 0.50% · 4.625%
HK$18,838
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,516/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,590
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,088
−HK$506/mo
Today · 4.125%
HK$19,594
baseline
▲ 0.50% · 4.625%
HK$20,627
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,188/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,676
−HK$633/mo
Today · 4.125%
HK$21,309
baseline
▲ 0.50% · 4.625%
HK$22,606
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,618/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,308
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$607/mo
Today · 4.125%
HK$23,513
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,026/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,394
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,122
−HK$739/mo
Today · 4.125%
HK$24,861
baseline
▲ 0.50% · 4.625%
HK$26,374
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,722/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,026
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,724
−HK$708/mo
Today · 4.125%
HK$27,432
baseline
▲ 0.50% · 4.625%
HK$28,878
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,864/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,078
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,014
−HK$950/mo
Today · 4.125%
HK$31,964
baseline
▲ 0.50% · 4.625%
HK$33,909
+HK$1,945/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,928/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,461
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,359
−HK$910/mo
Today · 4.125%
HK$35,269
baseline
▲ 0.50% · 4.625%
HK$37,128
+HK$1,859/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,538/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,844 · 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).