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$16,662
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$527/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$1,077/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,536
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$19,033
−HK$504/mo
Today · 4.125%
HK$19,537
baseline
▲ 0.50% · 4.625%
HK$20,567
+HK$1,030/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$39,074/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$632/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,243
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$605/mo
Today · 4.125%
HK$23,445
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,890/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,326
−HK$1,463/mo
▼ 0.25% · 3.875%
HK$24,052
−HK$737/mo
Today · 4.125%
HK$24,789
baseline
▲ 0.50% · 4.625%
HK$26,298
+HK$1,509/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$49,578/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,950
−HK$1,402/mo
▼ 0.25% · 3.875%
HK$26,646
−HK$706/mo
Today · 4.125%
HK$27,352
baseline
▲ 0.50% · 4.625%
HK$28,794
+HK$1,442/mo
Deposit HK$2.19M · loan HK$5.11M · min. income ≈ HK$54,704/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,991
−HK$1,881/mo
▼ 0.25% · 3.875%
HK$30,924
−HK$948/mo
Today · 4.125%
HK$31,872
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,939/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,744/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,365
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,260
−HK$907/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,021
+HK$1,854/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$70,334/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,209 · 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).