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$16,685
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$527/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,810
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,562
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,060
−HK$505/mo
Today · 4.125%
HK$19,565
baseline
▲ 0.50% · 4.625%
HK$20,596
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,130/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,022
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$633/mo
Today · 4.125%
HK$21,278
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,556/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,872
−HK$606/mo
Today · 4.125%
HK$23,478
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,956/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,086
−HK$738/mo
Today · 4.125%
HK$24,824
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,510/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,648/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,987
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,684
−HK$707/mo
Today · 4.125%
HK$27,391
baseline
▲ 0.50% · 4.625%
HK$28,835
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,782/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,033
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$949/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,412
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,308
−HK$909/mo
Today · 4.125%
HK$35,217
baseline
▲ 0.50% · 4.625%
HK$37,073
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,434/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,516 · 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).