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$16,715
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$529/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,845
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,528/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$505/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,634
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,059
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$634/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,613
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$608/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,760
+HK$1,239/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,402
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,130
−HK$739/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$709/mo
Today · 4.125%
HK$27,441
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,446/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,882/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,088
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,024
−HK$951/mo
Today · 4.125%
HK$31,975
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,945/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,950/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$911/mo
Today · 4.125%
HK$35,281
baseline
▲ 0.50% · 4.625%
HK$37,141
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,562/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,916 · 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).