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$16,660
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,178
−HK$526/mo
Today · 4.125%
HK$17,704
baseline
▲ 0.50% · 4.625%
HK$18,781
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,408/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,534
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,031
−HK$504/mo
Today · 4.125%
HK$19,535
baseline
▲ 0.50% · 4.625%
HK$20,565
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,070/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,991
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,613
−HK$632/mo
Today · 4.125%
HK$21,245
baseline
▲ 0.50% · 4.625%
HK$22,538
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,490/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,240
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,837
−HK$605/mo
Today · 4.125%
HK$23,442
baseline
▲ 0.50% · 4.625%
HK$24,677
+HK$1,235/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,884/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,323
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,049
−HK$737/mo
Today · 4.125%
HK$24,786
baseline
▲ 0.50% · 4.625%
HK$26,294
+HK$1,508/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,572/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,947
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,643
−HK$706/mo
Today · 4.125%
HK$27,349
baseline
▲ 0.50% · 4.625%
HK$28,790
+HK$1,441/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,698/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,987
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,920
−HK$948/mo
Today · 4.125%
HK$31,868
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,736/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,180 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,360
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,255
−HK$908/mo
Today · 4.125%
HK$35,163
baseline
▲ 0.50% · 4.625%
HK$37,016
+HK$1,853/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,326/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,180 · 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).