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$16,704
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,223
−HK$528/mo
Today · 4.125%
HK$17,751
baseline
▲ 0.50% · 4.625%
HK$18,831
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,502/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,583
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,081
−HK$506/mo
Today · 4.125%
HK$19,587
baseline
▲ 0.50% · 4.625%
HK$20,619
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,174/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,045
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,668
−HK$634/mo
Today · 4.125%
HK$21,302
baseline
▲ 0.50% · 4.625%
HK$22,598
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,604/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,299
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,897
−HK$607/mo
Today · 4.125%
HK$23,504
baseline
▲ 0.50% · 4.625%
HK$24,743
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,008/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,385
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,113
−HK$739/mo
Today · 4.125%
HK$24,852
baseline
▲ 0.50% · 4.625%
HK$26,364
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,704/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,016
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,714
−HK$708/mo
Today · 4.125%
HK$27,422
baseline
▲ 0.50% · 4.625%
HK$28,867
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,844/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,067
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$31,002
−HK$950/mo
Today · 4.125%
HK$31,952
baseline
▲ 0.50% · 4.625%
HK$33,897
+HK$1,945/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,904/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,449
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,346
−HK$910/mo
Today · 4.125%
HK$35,256
baseline
▲ 0.50% · 4.625%
HK$37,115
+HK$1,859/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,512/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,763 · 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).