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$16,655
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,173
−HK$527/mo
Today · 4.125%
HK$17,700
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,400/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,529
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,026
−HK$504/mo
Today · 4.125%
HK$19,530
baseline
▲ 0.50% · 4.625%
HK$20,559
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,060/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,986
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,608
−HK$632/mo
Today · 4.125%
HK$21,240
baseline
▲ 0.50% · 4.625%
HK$22,532
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,480/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,235
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,831
−HK$605/mo
Today · 4.125%
HK$23,436
baseline
▲ 0.50% · 4.625%
HK$24,671
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,872/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,317
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,043
−HK$737/mo
Today · 4.125%
HK$24,780
baseline
▲ 0.50% · 4.625%
HK$26,287
+HK$1,507/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,560/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,940
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,636
−HK$706/mo
Today · 4.125%
HK$27,342
baseline
▲ 0.50% · 4.625%
HK$28,783
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,684/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,980
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,912
−HK$948/mo
Today · 4.125%
HK$31,860
baseline
▲ 0.50% · 4.625%
HK$33,798
+HK$1,938/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,720/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,352
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,247
−HK$907/mo
Today · 4.125%
HK$35,154
baseline
▲ 0.50% · 4.625%
HK$37,007
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,308/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,125 · 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).