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$16,656
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$527/mo
Today · 4.125%
HK$17,701
baseline
▲ 0.50% · 4.625%
HK$18,778
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,402/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,530
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,027
−HK$504/mo
Today · 4.125%
HK$19,531
baseline
▲ 0.50% · 4.625%
HK$20,560
+HK$1,029/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,062/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,987
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,609
−HK$632/mo
Today · 4.125%
HK$21,241
baseline
▲ 0.50% · 4.625%
HK$22,533
+HK$1,292/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,482/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,236
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,832
−HK$605/mo
Today · 4.125%
HK$23,437
baseline
▲ 0.50% · 4.625%
HK$24,673
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,874/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,319
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,044
−HK$737/mo
Today · 4.125%
HK$24,781
baseline
▲ 0.50% · 4.625%
HK$26,289
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,562/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,942
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,638
−HK$705/mo
Today · 4.125%
HK$27,343
baseline
▲ 0.50% · 4.625%
HK$28,785
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,686/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,981
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,914
−HK$947/mo
Today · 4.125%
HK$31,861
baseline
▲ 0.50% · 4.625%
HK$33,800
+HK$1,939/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$63,722/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,354
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,248
−HK$908/mo
Today · 4.125%
HK$35,156
baseline
▲ 0.50% · 4.625%
HK$37,009
+HK$1,853/mo
Deposit HK$730K · loan HK$6.57M · min. income ≈ HK$70,312/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,136 · 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).