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$16,708
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$528/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$1,081/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$505/mo
Today · 4.125%
HK$19,591
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,182/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$633/mo
Today · 4.125%
HK$21,306
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,612/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,304
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$606/mo
Today · 4.125%
HK$23,509
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,018/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,391
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$739/mo
Today · 4.125%
HK$24,857
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,714/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,720
−HK$708/mo
Today · 4.125%
HK$27,428
baseline
▲ 0.50% · 4.625%
HK$28,873
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,856/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,074
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$951/mo
Today · 4.125%
HK$31,960
baseline
▲ 0.50% · 4.625%
HK$33,904
+HK$1,944/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,920/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,457
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$910/mo
Today · 4.125%
HK$35,264
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$1,859/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,528/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,813 · 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).