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$16,707
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,227
−HK$528/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,835
+HK$1,080/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,586
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,085
−HK$505/mo
Today · 4.125%
HK$19,590
baseline
▲ 0.50% · 4.625%
HK$20,623
+HK$1,033/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,180/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,672
−HK$633/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,602
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,303
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,902
−HK$606/mo
Today · 4.125%
HK$23,508
baseline
▲ 0.50% · 4.625%
HK$24,748
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,016/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,390
−HK$1,466/mo
▼ 0.25% · 3.875%
HK$24,117
−HK$739/mo
Today · 4.125%
HK$24,856
baseline
▲ 0.50% · 4.625%
HK$26,369
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,712/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,021
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,719
−HK$708/mo
Today · 4.125%
HK$27,427
baseline
▲ 0.50% · 4.625%
HK$28,872
+HK$1,445/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,854/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,072
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,008
−HK$950/mo
Today · 4.125%
HK$31,958
baseline
▲ 0.50% · 4.625%
HK$33,903
+HK$1,945/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$63,916/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,803 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,455
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,352
−HK$911/mo
Today · 4.125%
HK$35,263
baseline
▲ 0.50% · 4.625%
HK$37,121
+HK$1,858/mo
Deposit HK$733K · loan HK$6.59M · min. income ≈ HK$70,526/mo (50% DSR)
Upfront cash ≈ HK$952K (deposit + AVD stamp duty HK$219,803 · 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).