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$16,695
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,214
−HK$528/mo
Today · 4.125%
HK$17,742
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,484/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,573
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,071
−HK$505/mo
Today · 4.125%
HK$19,576
baseline
▲ 0.50% · 4.625%
HK$20,608
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,152/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,034
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,657
−HK$633/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,586
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,288
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$607/mo
Today · 4.125%
HK$23,492
baseline
▲ 0.50% · 4.625%
HK$24,730
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,984/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,373
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,100
−HK$739/mo
Today · 4.125%
HK$24,839
baseline
▲ 0.50% · 4.625%
HK$26,350
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,678/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,002
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,700
−HK$707/mo
Today · 4.125%
HK$27,407
baseline
▲ 0.50% · 4.625%
HK$28,852
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,814/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,051
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,986
−HK$950/mo
Today · 4.125%
HK$31,936
baseline
▲ 0.50% · 4.625%
HK$33,879
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,872/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,647 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,431
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,328
−HK$910/mo
Today · 4.125%
HK$35,238
baseline
▲ 0.50% · 4.625%
HK$37,095
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,476/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,647 · 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).