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$16,681
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,200
−HK$527/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,558
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$19,055
−HK$505/mo
Today · 4.125%
HK$19,560
baseline
▲ 0.50% · 4.625%
HK$20,591
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,120/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,017
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$633/mo
Today · 4.125%
HK$21,273
baseline
▲ 0.50% · 4.625%
HK$22,567
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,546/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,867
−HK$605/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,710
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,354
−HK$1,464/mo
▼ 0.25% · 3.875%
HK$24,080
−HK$738/mo
Today · 4.125%
HK$24,818
baseline
▲ 0.50% · 4.625%
HK$26,328
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,636/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,981
−HK$1,403/mo
▼ 0.25% · 3.875%
HK$26,678
−HK$706/mo
Today · 4.125%
HK$27,384
baseline
▲ 0.50% · 4.625%
HK$28,828
+HK$1,444/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,768/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,026
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,960
−HK$949/mo
Today · 4.125%
HK$31,909
baseline
▲ 0.50% · 4.625%
HK$33,851
+HK$1,942/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$63,818/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,404
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,300
−HK$909/mo
Today · 4.125%
HK$35,209
baseline
▲ 0.50% · 4.625%
HK$37,064
+HK$1,855/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$70,418/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,466 · 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).