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$16,677
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,196
−HK$527/mo
Today · 4.125%
HK$17,723
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,446/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,553
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,051
−HK$504/mo
Today · 4.125%
HK$19,555
baseline
▲ 0.50% · 4.625%
HK$20,586
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,110/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,012
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,635
−HK$632/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,861
−HK$605/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,703
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,348
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,074
−HK$738/mo
Today · 4.125%
HK$24,812
baseline
▲ 0.50% · 4.625%
HK$26,322
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,624/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,974
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,671
−HK$707/mo
Today · 4.125%
HK$27,378
baseline
▲ 0.50% · 4.625%
HK$28,821
+HK$1,443/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,756/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,019
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,952
−HK$949/mo
Today · 4.125%
HK$31,901
baseline
▲ 0.50% · 4.625%
HK$33,842
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,802/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,395
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,291
−HK$909/mo
Today · 4.125%
HK$35,200
baseline
▲ 0.50% · 4.625%
HK$37,055
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,400/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,411 · 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).