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$16,667
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,185
−HK$527/mo
Today · 4.125%
HK$17,712
baseline
▲ 0.50% · 4.625%
HK$18,790
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,424/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,542
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,039
−HK$504/mo
Today · 4.125%
HK$19,543
baseline
▲ 0.50% · 4.625%
HK$20,574
+HK$1,031/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,086/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,000
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,622
−HK$632/mo
Today · 4.125%
HK$21,254
baseline
▲ 0.50% · 4.625%
HK$22,548
+HK$1,294/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$42,508/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,250
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,847
−HK$605/mo
Today · 4.125%
HK$23,452
baseline
▲ 0.50% · 4.625%
HK$24,688
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.39M · min. income ≈ HK$46,904/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,334
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,059
−HK$738/mo
Today · 4.125%
HK$24,797
baseline
▲ 0.50% · 4.625%
HK$26,306
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,594/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,958
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,655
−HK$706/mo
Today · 4.125%
HK$27,361
baseline
▲ 0.50% · 4.625%
HK$28,803
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,722/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,000
−HK$1,882/mo
▼ 0.25% · 3.875%
HK$30,934
−HK$948/mo
Today · 4.125%
HK$31,882
baseline
▲ 0.50% · 4.625%
HK$33,822
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,764/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,375
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,270
−HK$908/mo
Today · 4.125%
HK$35,178
baseline
▲ 0.50% · 4.625%
HK$37,033
+HK$1,855/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,356/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,276 · 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).