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$16,722
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$528/mo
Today · 4.125%
HK$17,770
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,540/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$506/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,641
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$634/mo
Today · 4.125%
HK$21,324
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,648/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$607/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,410
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$739/mo
Today · 4.125%
HK$24,878
baseline
▲ 0.50% · 4.625%
HK$26,392
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,756/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,742
−HK$709/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,099
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,035
−HK$951/mo
Today · 4.125%
HK$31,986
baseline
▲ 0.50% · 4.625%
HK$33,933
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,972/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,485
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,383
−HK$911/mo
Today · 4.125%
HK$35,294
baseline
▲ 0.50% · 4.625%
HK$37,154
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,588/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,998 · 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).