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$16,706
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,225
−HK$528/mo
Today · 4.125%
HK$17,753
baseline
▲ 0.50% · 4.625%
HK$18,833
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,506/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,585
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,083
−HK$506/mo
Today · 4.125%
HK$19,589
baseline
▲ 0.50% · 4.625%
HK$20,621
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,178/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,047
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$634/mo
Today · 4.125%
HK$21,304
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,608/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,302
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,900
−HK$607/mo
Today · 4.125%
HK$23,507
baseline
▲ 0.50% · 4.625%
HK$24,746
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,014/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,388
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,115
−HK$739/mo
Today · 4.125%
HK$24,854
baseline
▲ 0.50% · 4.625%
HK$26,367
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,708/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,019
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,717
−HK$707/mo
Today · 4.125%
HK$27,424
baseline
▲ 0.50% · 4.625%
HK$28,870
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,848/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,070
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,005
−HK$951/mo
Today · 4.125%
HK$31,956
baseline
▲ 0.50% · 4.625%
HK$33,900
+HK$1,944/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,912/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,453
−HK$1,807/mo
▼ 0.25% · 3.875%
HK$34,350
−HK$910/mo
Today · 4.125%
HK$35,260
baseline
▲ 0.50% · 4.625%
HK$37,119
+HK$1,859/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,520/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,786 · 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).