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$16,694
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,213
−HK$528/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,821
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,572
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,070
−HK$505/mo
Today · 4.125%
HK$19,575
baseline
▲ 0.50% · 4.625%
HK$20,607
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,150/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,033
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,656
−HK$633/mo
Today · 4.125%
HK$21,289
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,578/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,884
−HK$607/mo
Today · 4.125%
HK$23,491
baseline
▲ 0.50% · 4.625%
HK$24,729
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,982/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,372
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,099
−HK$738/mo
Today · 4.125%
HK$24,837
baseline
▲ 0.50% · 4.625%
HK$26,349
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,674/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,001
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,698
−HK$708/mo
Today · 4.125%
HK$27,406
baseline
▲ 0.50% · 4.625%
HK$28,850
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,812/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,049
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,984
−HK$950/mo
Today · 4.125%
HK$31,934
baseline
▲ 0.50% · 4.625%
HK$33,877
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,868/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,430
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,326
−HK$910/mo
Today · 4.125%
HK$35,236
baseline
▲ 0.50% · 4.625%
HK$37,093
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,472/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,636 · 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).