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$16,663
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,182
−HK$526/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,538
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,035
−HK$504/mo
Today · 4.125%
HK$19,539
baseline
▲ 0.50% · 4.625%
HK$20,569
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,078/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,996
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,618
−HK$632/mo
Today · 4.125%
HK$21,250
baseline
▲ 0.50% · 4.625%
HK$22,543
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,500/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,245
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,842
−HK$605/mo
Today · 4.125%
HK$23,447
baseline
▲ 0.50% · 4.625%
HK$24,683
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,894/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,329
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,054
−HK$738/mo
Today · 4.125%
HK$24,792
baseline
▲ 0.50% · 4.625%
HK$26,300
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,584/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,953
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,649
−HK$706/mo
Today · 4.125%
HK$27,355
baseline
▲ 0.50% · 4.625%
HK$28,797
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,710/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,994
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,927
−HK$948/mo
Today · 4.125%
HK$31,875
baseline
▲ 0.50% · 4.625%
HK$33,815
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,750/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,368
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,263
−HK$908/mo
Today · 4.125%
HK$35,171
baseline
▲ 0.50% · 4.625%
HK$37,025
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,342/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,231 · 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).