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$16,697
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,217
−HK$527/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,824
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,488/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,576
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,074
−HK$505/mo
Today · 4.125%
HK$19,579
baseline
▲ 0.50% · 4.625%
HK$20,611
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,158/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,037
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,660
−HK$633/mo
Today · 4.125%
HK$21,293
baseline
▲ 0.50% · 4.625%
HK$22,589
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,586/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,291
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,889
−HK$606/mo
Today · 4.125%
HK$23,495
baseline
▲ 0.50% · 4.625%
HK$24,733
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,990/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,376
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,103
−HK$739/mo
Today · 4.125%
HK$24,842
baseline
▲ 0.50% · 4.625%
HK$26,354
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,684/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,006
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,703
−HK$708/mo
Today · 4.125%
HK$27,411
baseline
▲ 0.50% · 4.625%
HK$28,856
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,822/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,055
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,990
−HK$950/mo
Today · 4.125%
HK$31,940
baseline
▲ 0.50% · 4.625%
HK$33,883
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,880/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,677 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,436
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,333
−HK$910/mo
Today · 4.125%
HK$35,243
baseline
▲ 0.50% · 4.625%
HK$37,100
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,486/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,677 · 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).