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$16,692
−HK$1,047/mo
▼ 0.25% · 3.875%
HK$17,211
−HK$528/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,818
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,570
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,068
−HK$505/mo
Today · 4.125%
HK$19,573
baseline
▲ 0.50% · 4.625%
HK$20,605
+HK$1,032/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,146/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,030
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$633/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,582
+HK$1,296/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,284
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$606/mo
Today · 4.125%
HK$23,487
baseline
▲ 0.50% · 4.625%
HK$24,725
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,974/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,369
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,096
−HK$738/mo
Today · 4.125%
HK$24,834
baseline
▲ 0.50% · 4.625%
HK$26,345
+HK$1,511/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,668/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,997
−HK$1,405/mo
▼ 0.25% · 3.875%
HK$26,695
−HK$707/mo
Today · 4.125%
HK$27,402
baseline
▲ 0.50% · 4.625%
HK$28,846
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,804/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,045
−HK$1,885/mo
▼ 0.25% · 3.875%
HK$30,980
−HK$950/mo
Today · 4.125%
HK$31,930
baseline
▲ 0.50% · 4.625%
HK$33,872
+HK$1,942/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,860/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,425
−HK$1,806/mo
▼ 0.25% · 3.875%
HK$34,322
−HK$909/mo
Today · 4.125%
HK$35,231
baseline
▲ 0.50% · 4.625%
HK$37,088
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,462/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,606 · 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).