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$16,683
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,202
−HK$527/mo
Today · 4.125%
HK$17,729
baseline
▲ 0.50% · 4.625%
HK$18,808
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,458/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,559
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,057
−HK$505/mo
Today · 4.125%
HK$19,562
baseline
▲ 0.50% · 4.625%
HK$20,593
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,124/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,642
−HK$633/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,294/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,869
−HK$606/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,712
+HK$1,237/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,356
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,082
−HK$739/mo
Today · 4.125%
HK$24,821
baseline
▲ 0.50% · 4.625%
HK$26,331
+HK$1,510/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$49,642/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,983
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,680
−HK$707/mo
Today · 4.125%
HK$27,387
baseline
▲ 0.50% · 4.625%
HK$28,831
+HK$1,444/mo
Deposit HK$2.19M · loan HK$5.12M · min. income ≈ HK$54,774/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,029
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,963
−HK$949/mo
Today · 4.125%
HK$31,912
baseline
▲ 0.50% · 4.625%
HK$33,854
+HK$1,942/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$63,824/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,407
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,303
−HK$909/mo
Today · 4.125%
HK$35,212
baseline
▲ 0.50% · 4.625%
HK$37,068
+HK$1,856/mo
Deposit HK$732K · loan HK$6.58M · min. income ≈ HK$70,424/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,487 · 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).