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$16,708
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$528/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,836
+HK$1,081/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,587
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,086
−HK$505/mo
Today · 4.125%
HK$19,591
baseline
▲ 0.50% · 4.625%
HK$20,624
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,182/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$634/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$607/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,391
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,118
−HK$740/mo
Today · 4.125%
HK$24,858
baseline
▲ 0.50% · 4.625%
HK$26,370
+HK$1,512/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,716/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,022
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,720
−HK$708/mo
Today · 4.125%
HK$27,428
baseline
▲ 0.50% · 4.625%
HK$28,874
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,856/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,074
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,009
−HK$951/mo
Today · 4.125%
HK$31,960
baseline
▲ 0.50% · 4.625%
HK$33,905
+HK$1,945/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,920/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,457
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,354
−HK$911/mo
Today · 4.125%
HK$35,265
baseline
▲ 0.50% · 4.625%
HK$37,123
+HK$1,858/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,530/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,815 · 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).