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$16,661
−HK$1,045/mo
▼ 0.25% · 3.875%
HK$17,180
−HK$526/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,784
+HK$1,078/mo
Deposit HK$3.65M · loan HK$3.65M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$3.87M (deposit + AVD stamp duty HK$219,205 · 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$219,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,994
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,616
−HK$631/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,540
+HK$1,293/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,243
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,839
−HK$605/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,680
+HK$1,236/mo
Deposit HK$2.92M · loan HK$4.38M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$3.14M (deposit + AVD stamp duty HK$219,205 · 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$26,297
+HK$1,508/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$219,205 · 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$219,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$29,991
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,923
−HK$948/mo
Today · 4.125%
HK$31,871
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,940/mo
Deposit HK$731K · loan HK$6.58M · min. income ≈ HK$63,742/mo (50% DSR)
Upfront cash ≈ HK$950K (deposit + AVD stamp duty HK$219,205 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,364
−HK$1,803/mo
▼ 0.25% · 3.875%
HK$34,259
−HK$908/mo
Today · 4.125%
HK$35,167
baseline
▲ 0.50% · 4.625%
HK$37,020
+HK$1,853/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$219,205 · 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).