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$16,682
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,201
−HK$527/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$505/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$633/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,868
−HK$606/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,355
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$738/mo
Today · 4.125%
HK$24,820
baseline
▲ 0.50% · 4.625%
HK$26,330
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,640/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,982
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,679
−HK$707/mo
Today · 4.125%
HK$27,386
baseline
▲ 0.50% · 4.625%
HK$28,830
+HK$1,444/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,772/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,028
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,962
−HK$949/mo
Today · 4.125%
HK$31,911
baseline
▲ 0.50% · 4.625%
HK$33,853
+HK$1,942/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$63,822/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,480 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,406
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,302
−HK$909/mo
Today · 4.125%
HK$35,211
baseline
▲ 0.50% · 4.625%
HK$37,067
+HK$1,856/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$70,422/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,480 · 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).