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$16,698
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,218
−HK$528/mo
Today · 4.125%
HK$17,746
baseline
▲ 0.50% · 4.625%
HK$18,825
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,492/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,577
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,075
−HK$505/mo
Today · 4.125%
HK$19,580
baseline
▲ 0.50% · 4.625%
HK$20,613
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,160/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,661
−HK$634/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,590
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,890
−HK$607/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,378
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,105
−HK$739/mo
Today · 4.125%
HK$24,844
baseline
▲ 0.50% · 4.625%
HK$26,355
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,688/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,007
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,705
−HK$708/mo
Today · 4.125%
HK$27,413
baseline
▲ 0.50% · 4.625%
HK$28,858
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,826/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,057
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,992
−HK$950/mo
Today · 4.125%
HK$31,942
baseline
▲ 0.50% · 4.625%
HK$33,886
+HK$1,944/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,884/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,438
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,335
−HK$910/mo
Today · 4.125%
HK$35,245
baseline
▲ 0.50% · 4.625%
HK$37,103
+HK$1,858/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,490/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,691 · 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).