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$16,714
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,234
−HK$529/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,843
+HK$1,080/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,595
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,093
−HK$506/mo
Today · 4.125%
HK$19,599
baseline
▲ 0.50% · 4.625%
HK$20,632
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,198/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,057
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$634/mo
Today · 4.125%
HK$21,315
baseline
▲ 0.50% · 4.625%
HK$22,612
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,630/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,314
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,912
−HK$607/mo
Today · 4.125%
HK$23,519
baseline
▲ 0.50% · 4.625%
HK$24,759
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,038/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,400
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,128
−HK$740/mo
Today · 4.125%
HK$24,868
baseline
▲ 0.50% · 4.625%
HK$26,381
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,736/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,032
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,731
−HK$708/mo
Today · 4.125%
HK$27,439
baseline
▲ 0.50% · 4.625%
HK$28,885
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,878/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,086
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,022
−HK$951/mo
Today · 4.125%
HK$31,973
baseline
▲ 0.50% · 4.625%
HK$33,918
+HK$1,945/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,946/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,470
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,368
−HK$911/mo
Today · 4.125%
HK$35,279
baseline
▲ 0.50% · 4.625%
HK$37,138
+HK$1,859/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,558/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,902 · 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).