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$16,661
−HK$1,044/mo
▼ 0.25% · 3.875%
HK$17,179
−HK$526/mo
Today · 4.125%
HK$17,705
baseline
▲ 0.50% · 4.625%
HK$18,783
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,410/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,535
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,032
−HK$504/mo
Today · 4.125%
HK$19,536
baseline
▲ 0.50% · 4.625%
HK$20,566
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,072/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$631/mo
Today · 4.125%
HK$21,246
baseline
▲ 0.50% · 4.625%
HK$22,539
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,492/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,838
−HK$605/mo
Today · 4.125%
HK$23,443
baseline
▲ 0.50% · 4.625%
HK$24,679
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,886/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,325
−HK$1,462/mo
▼ 0.25% · 3.875%
HK$24,050
−HK$737/mo
Today · 4.125%
HK$24,787
baseline
▲ 0.50% · 4.625%
HK$26,296
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,574/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,949
−HK$1,401/mo
▼ 0.25% · 3.875%
HK$26,644
−HK$706/mo
Today · 4.125%
HK$27,350
baseline
▲ 0.50% · 4.625%
HK$28,792
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,700/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,989
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,922
−HK$948/mo
Today · 4.125%
HK$31,870
baseline
▲ 0.50% · 4.625%
HK$33,809
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,740/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,362
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,257
−HK$908/mo
Today · 4.125%
HK$35,165
baseline
▲ 0.50% · 4.625%
HK$37,018
+HK$1,853/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,330/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,193 · 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).