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$16,703
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,222
−HK$528/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,830
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,500/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,581
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,080
−HK$505/mo
Today · 4.125%
HK$19,585
baseline
▲ 0.50% · 4.625%
HK$20,618
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,170/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,043
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,667
−HK$633/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,596
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,298
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$606/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,384
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,111
−HK$739/mo
Today · 4.125%
HK$24,850
baseline
▲ 0.50% · 4.625%
HK$26,362
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,700/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,014
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,712
−HK$707/mo
Today · 4.125%
HK$27,419
baseline
▲ 0.50% · 4.625%
HK$28,865
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,838/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,065
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,000
−HK$950/mo
Today · 4.125%
HK$31,950
baseline
▲ 0.50% · 4.625%
HK$33,894
+HK$1,944/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,900/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,746 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,447
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,344
−HK$910/mo
Today · 4.125%
HK$35,254
baseline
▲ 0.50% · 4.625%
HK$37,112
+HK$1,858/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,508/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,746 · 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).