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$16,680
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,199
−HK$527/mo
Today · 4.125%
HK$17,726
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,452/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,556
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,054
−HK$505/mo
Today · 4.125%
HK$19,559
baseline
▲ 0.50% · 4.625%
HK$20,590
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,118/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,639
−HK$632/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,565
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,268
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,865
−HK$606/mo
Today · 4.125%
HK$23,471
baseline
▲ 0.50% · 4.625%
HK$24,708
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,942/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,352
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,078
−HK$738/mo
Today · 4.125%
HK$24,816
baseline
▲ 0.50% · 4.625%
HK$26,326
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,632/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,979
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,676
−HK$706/mo
Today · 4.125%
HK$27,382
baseline
▲ 0.50% · 4.625%
HK$28,826
+HK$1,444/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,764/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,024
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,958
−HK$949/mo
Today · 4.125%
HK$31,907
baseline
▲ 0.50% · 4.625%
HK$33,848
+HK$1,941/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,814/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,401
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,297
−HK$909/mo
Today · 4.125%
HK$35,206
baseline
▲ 0.50% · 4.625%
HK$37,062
+HK$1,856/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,412/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,449 · 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).