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$16,691
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,210
−HK$528/mo
Today · 4.125%
HK$17,738
baseline
▲ 0.50% · 4.625%
HK$18,817
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,476/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,569
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,067
−HK$505/mo
Today · 4.125%
HK$19,572
baseline
▲ 0.50% · 4.625%
HK$20,603
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,144/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,029
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,652
−HK$633/mo
Today · 4.125%
HK$21,285
baseline
▲ 0.50% · 4.625%
HK$22,580
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,570/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,282
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,880
−HK$606/mo
Today · 4.125%
HK$23,486
baseline
▲ 0.50% · 4.625%
HK$24,724
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,972/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,367
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,094
−HK$739/mo
Today · 4.125%
HK$24,833
baseline
▲ 0.50% · 4.625%
HK$26,344
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,666/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,996
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,693
−HK$707/mo
Today · 4.125%
HK$27,400
baseline
▲ 0.50% · 4.625%
HK$28,845
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,800/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,044
−HK$1,884/mo
▼ 0.25% · 3.875%
HK$30,978
−HK$950/mo
Today · 4.125%
HK$31,928
baseline
▲ 0.50% · 4.625%
HK$33,871
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,856/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,423
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,320
−HK$909/mo
Today · 4.125%
HK$35,229
baseline
▲ 0.50% · 4.625%
HK$37,086
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,458/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,594 · 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).