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$16,669
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,188
−HK$526/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,792
+HK$1,078/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,428/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,544
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,042
−HK$504/mo
Today · 4.125%
HK$19,546
baseline
▲ 0.50% · 4.625%
HK$20,576
+HK$1,030/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,092/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,003
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,625
−HK$632/mo
Today · 4.125%
HK$21,257
baseline
▲ 0.50% · 4.625%
HK$22,551
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,514/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,253
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,850
−HK$605/mo
Today · 4.125%
HK$23,455
baseline
▲ 0.50% · 4.625%
HK$24,692
+HK$1,237/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,910/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,337
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,063
−HK$737/mo
Today · 4.125%
HK$24,800
baseline
▲ 0.50% · 4.625%
HK$26,309
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,600/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,962
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,658
−HK$707/mo
Today · 4.125%
HK$27,365
baseline
▲ 0.50% · 4.625%
HK$28,807
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,730/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,004
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,938
−HK$948/mo
Today · 4.125%
HK$31,886
baseline
▲ 0.50% · 4.625%
HK$33,826
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,772/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,380
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,275
−HK$908/mo
Today · 4.125%
HK$35,183
baseline
▲ 0.50% · 4.625%
HK$37,038
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,366/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,306 · 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).