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$16,659
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,177
−HK$527/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,781
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,533
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,030
−HK$504/mo
Today · 4.125%
HK$19,534
baseline
▲ 0.50% · 4.625%
HK$20,564
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,068/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,991
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$631/mo
Today · 4.125%
HK$21,244
baseline
▲ 0.50% · 4.625%
HK$22,537
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,488/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,239
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,836
−HK$605/mo
Today · 4.125%
HK$23,441
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,882/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,322
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,048
−HK$737/mo
Today · 4.125%
HK$24,785
baseline
▲ 0.50% · 4.625%
HK$26,293
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,570/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,946
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,642
−HK$706/mo
Today · 4.125%
HK$27,348
baseline
▲ 0.50% · 4.625%
HK$28,789
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,696/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,986
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,919
−HK$947/mo
Today · 4.125%
HK$31,866
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,732/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,359
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,254
−HK$907/mo
Today · 4.125%
HK$35,161
baseline
▲ 0.50% · 4.625%
HK$37,015
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,322/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,172 · 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).