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$16,668
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,187
−HK$526/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,543
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,040
−HK$505/mo
Today · 4.125%
HK$19,545
baseline
▲ 0.50% · 4.625%
HK$20,575
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,090/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,002
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,624
−HK$632/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,549
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,252
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,849
−HK$605/mo
Today · 4.125%
HK$23,454
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,908/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,335
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,061
−HK$738/mo
Today · 4.125%
HK$24,799
baseline
▲ 0.50% · 4.625%
HK$26,308
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,598/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,960
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,657
−HK$706/mo
Today · 4.125%
HK$27,363
baseline
▲ 0.50% · 4.625%
HK$28,805
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,726/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,003
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,936
−HK$948/mo
Today · 4.125%
HK$31,884
baseline
▲ 0.50% · 4.625%
HK$33,824
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,768/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,378
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,273
−HK$908/mo
Today · 4.125%
HK$35,181
baseline
▲ 0.50% · 4.625%
HK$37,035
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,362/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,294 · 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).