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$16,671
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,190
−HK$527/mo
Today · 4.125%
HK$17,717
baseline
▲ 0.50% · 4.625%
HK$18,795
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,434/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,547
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,044
−HK$505/mo
Today · 4.125%
HK$19,549
baseline
▲ 0.50% · 4.625%
HK$20,579
+HK$1,030/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,098/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$632/mo
Today · 4.125%
HK$21,260
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,520/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,256
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,853
−HK$606/mo
Today · 4.125%
HK$23,459
baseline
▲ 0.50% · 4.625%
HK$24,695
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,918/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,340
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,066
−HK$738/mo
Today · 4.125%
HK$24,804
baseline
▲ 0.50% · 4.625%
HK$26,313
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,608/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,966
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,662
−HK$706/mo
Today · 4.125%
HK$27,368
baseline
▲ 0.50% · 4.625%
HK$28,811
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,736/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,009
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,942
−HK$948/mo
Today · 4.125%
HK$31,890
baseline
▲ 0.50% · 4.625%
HK$33,831
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,780/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,384
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,280
−HK$908/mo
Today · 4.125%
HK$35,188
baseline
▲ 0.50% · 4.625%
HK$37,043
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,376/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,337 · 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).