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$16,688
−HK$1,046/mo
▼ 0.25% · 3.875%
HK$17,207
−HK$527/mo
Today · 4.125%
HK$17,734
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$1,079/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$35,468/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,565
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$19,063
−HK$505/mo
Today · 4.125%
HK$19,568
baseline
▲ 0.50% · 4.625%
HK$20,599
+HK$1,031/mo
Deposit HK$3.66M · loan HK$3.66M · min. income ≈ HK$39,136/mo (50% DSR)
Upfront cash ≈ HK$3.88M (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,025
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$633/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,295/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,278
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$606/mo
Today · 4.125%
HK$23,481
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,238/mo
Deposit HK$2.93M · loan HK$4.39M · min. income ≈ HK$46,962/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,363
−HK$1,465/mo
▼ 0.25% · 3.875%
HK$24,089
−HK$739/mo
Today · 4.125%
HK$24,828
baseline
▲ 0.50% · 4.625%
HK$26,338
+HK$1,510/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$49,656/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,991
−HK$1,404/mo
▼ 0.25% · 3.875%
HK$26,688
−HK$707/mo
Today · 4.125%
HK$27,395
baseline
▲ 0.50% · 4.625%
HK$28,839
+HK$1,444/mo
Deposit HK$2.20M · loan HK$5.12M · min. income ≈ HK$54,790/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,038
−HK$1,883/mo
▼ 0.25% · 3.875%
HK$30,972
−HK$949/mo
Today · 4.125%
HK$31,921
baseline
▲ 0.50% · 4.625%
HK$33,864
+HK$1,943/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$63,842/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,417
−HK$1,805/mo
▼ 0.25% · 3.875%
HK$34,313
−HK$909/mo
Today · 4.125%
HK$35,222
baseline
▲ 0.50% · 4.625%
HK$37,079
+HK$1,857/mo
Deposit HK$732K · loan HK$6.59M · min. income ≈ HK$70,444/mo (50% DSR)
Upfront cash ≈ HK$951K (deposit + AVD stamp duty HK$219,550 · 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).