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$1,046/mo
▼ 0.25% · 3.875%
HK$17,213
−HK$527/mo
Today · 4.125%
HK$17,740
baseline
▲ 0.50% · 4.625%
HK$18,820
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,480/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,571
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,069
−HK$506/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$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$633/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,584
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,286
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$607/mo
Today · 4.125%
HK$23,490
baseline
▲ 0.50% · 4.625%
HK$24,728
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,980/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,371
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,098
−HK$738/mo
Today · 4.125%
HK$24,836
baseline
▲ 0.50% · 4.625%
HK$26,348
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,672/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,000
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,697
−HK$708/mo
Today · 4.125%
HK$27,405
baseline
▲ 0.50% · 4.625%
HK$28,849
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,810/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,048
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,983
−HK$950/mo
Today · 4.125%
HK$31,933
baseline
▲ 0.50% · 4.625%
HK$33,876
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,866/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,428
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,325
−HK$909/mo
Today · 4.125%
HK$35,234
baseline
▲ 0.50% · 4.625%
HK$37,092
+HK$1,858/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,468/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,627 · 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).