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$16,679
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,198
−HK$527/mo
Today · 4.125%
HK$17,725
baseline
▲ 0.50% · 4.625%
HK$18,803
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,450/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,555
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,053
−HK$505/mo
Today · 4.125%
HK$19,558
baseline
▲ 0.50% · 4.625%
HK$20,589
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,116/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,015
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$633/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,564
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$606/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,350
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,077
−HK$738/mo
Today · 4.125%
HK$24,815
baseline
▲ 0.50% · 4.625%
HK$26,325
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,630/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,977
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,674
−HK$707/mo
Today · 4.125%
HK$27,381
baseline
▲ 0.50% · 4.625%
HK$28,824
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,762/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,022
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,956
−HK$949/mo
Today · 4.125%
HK$31,905
baseline
▲ 0.50% · 4.625%
HK$33,846
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,810/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,435 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,399
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,295
−HK$909/mo
Today · 4.125%
HK$35,204
baseline
▲ 0.50% · 4.625%
HK$37,059
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,408/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,435 · 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).