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$16,693
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,212
−HK$527/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,819
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,570
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$506/mo
Today · 4.125%
HK$19,574
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,148/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,031
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,654
−HK$633/mo
Today · 4.125%
HK$21,287
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,574/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,882
−HK$606/mo
Today · 4.125%
HK$23,488
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,976/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,370
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,097
−HK$738/mo
Today · 4.125%
HK$24,835
baseline
▲ 0.50% · 4.625%
HK$26,346
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,670/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,999
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,696
−HK$707/mo
Today · 4.125%
HK$27,403
baseline
▲ 0.50% · 4.625%
HK$28,848
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,806/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,047
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,981
−HK$950/mo
Today · 4.125%
HK$31,931
baseline
▲ 0.50% · 4.625%
HK$33,874
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,862/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,427
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,323
−HK$910/mo
Today · 4.125%
HK$35,233
baseline
▲ 0.50% · 4.625%
HK$37,090
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,466/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,616 · 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).