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$16,675
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,194
−HK$527/mo
Today · 4.125%
HK$17,721
baseline
▲ 0.50% · 4.625%
HK$18,799
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,442/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,551
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,048
−HK$505/mo
Today · 4.125%
HK$19,553
baseline
▲ 0.50% · 4.625%
HK$20,584
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,106/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,010
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,633
−HK$632/mo
Today · 4.125%
HK$21,265
baseline
▲ 0.50% · 4.625%
HK$22,559
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,530/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,261
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,858
−HK$606/mo
Today · 4.125%
HK$23,464
baseline
▲ 0.50% · 4.625%
HK$24,701
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,928/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,345
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,071
−HK$738/mo
Today · 4.125%
HK$24,809
baseline
▲ 0.50% · 4.625%
HK$26,319
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,618/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,971
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,668
−HK$706/mo
Today · 4.125%
HK$27,374
baseline
▲ 0.50% · 4.625%
HK$28,817
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,748/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,015
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,949
−HK$948/mo
Today · 4.125%
HK$31,897
baseline
▲ 0.50% · 4.625%
HK$33,838
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,794/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,392
−HK$1,804/mo
▼ 0.25% · 3.875%
HK$34,287
−HK$909/mo
Today · 4.125%
HK$35,196
baseline
▲ 0.50% · 4.625%
HK$37,051
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,392/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,385 · 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).