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$16,712
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,232
−HK$528/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,841
+HK$1,081/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,592
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,091
−HK$505/mo
Today · 4.125%
HK$19,596
baseline
▲ 0.50% · 4.625%
HK$20,629
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,192/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$634/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,310
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$607/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,755
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,397
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,125
−HK$739/mo
Today · 4.125%
HK$24,864
baseline
▲ 0.50% · 4.625%
HK$26,377
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,728/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,029
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,727
−HK$708/mo
Today · 4.125%
HK$27,435
baseline
▲ 0.50% · 4.625%
HK$28,881
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,870/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,082
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,017
−HK$951/mo
Today · 4.125%
HK$31,968
baseline
▲ 0.50% · 4.625%
HK$33,913
+HK$1,945/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,936/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,465
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,363
−HK$910/mo
Today · 4.125%
HK$35,273
baseline
▲ 0.50% · 4.625%
HK$37,133
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,546/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,870 · 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).