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$16,696
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,215
−HK$528/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,822
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,574
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,072
−HK$505/mo
Today · 4.125%
HK$19,577
baseline
▲ 0.50% · 4.625%
HK$20,609
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,154/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$633/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,289
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$607/mo
Today · 4.125%
HK$23,493
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,986/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,374
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,101
−HK$739/mo
Today · 4.125%
HK$24,840
baseline
▲ 0.50% · 4.625%
HK$26,351
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,680/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,003
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,701
−HK$707/mo
Today · 4.125%
HK$27,408
baseline
▲ 0.50% · 4.625%
HK$28,853
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,816/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,052
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,987
−HK$950/mo
Today · 4.125%
HK$31,937
baseline
▲ 0.50% · 4.625%
HK$33,880
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,874/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,433
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,330
−HK$909/mo
Today · 4.125%
HK$35,239
baseline
▲ 0.50% · 4.625%
HK$37,097
+HK$1,858/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,478/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,657 · 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).