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$16,685
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,204
−HK$527/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,810
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,562
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,059
−HK$505/mo
Today · 4.125%
HK$19,564
baseline
▲ 0.50% · 4.625%
HK$20,596
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,128/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,022
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,645
−HK$632/mo
Today · 4.125%
HK$21,277
baseline
▲ 0.50% · 4.625%
HK$22,572
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,554/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,274
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,871
−HK$606/mo
Today · 4.125%
HK$23,477
baseline
▲ 0.50% · 4.625%
HK$24,715
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,954/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,359
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,085
−HK$738/mo
Today · 4.125%
HK$24,823
baseline
▲ 0.50% · 4.625%
HK$26,334
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,646/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,986
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,683
−HK$707/mo
Today · 4.125%
HK$27,390
baseline
▲ 0.50% · 4.625%
HK$28,834
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,780/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,033
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,967
−HK$949/mo
Today · 4.125%
HK$31,916
baseline
▲ 0.50% · 4.625%
HK$33,858
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,832/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,411
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,307
−HK$909/mo
Today · 4.125%
HK$35,216
baseline
▲ 0.50% · 4.625%
HK$37,072
+HK$1,856/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,432/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,512 · 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).