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$16,716
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,236
−HK$529/mo
Today · 4.125%
HK$17,765
baseline
▲ 0.50% · 4.625%
HK$18,845
+HK$1,080/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,530/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,597
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,095
−HK$506/mo
Today · 4.125%
HK$19,601
baseline
▲ 0.50% · 4.625%
HK$20,635
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,202/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$633/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,316
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,915
−HK$607/mo
Today · 4.125%
HK$23,522
baseline
▲ 0.50% · 4.625%
HK$24,762
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,044/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,403
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,131
−HK$739/mo
Today · 4.125%
HK$24,870
baseline
▲ 0.50% · 4.625%
HK$26,384
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,740/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,035
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,734
−HK$708/mo
Today · 4.125%
HK$27,442
baseline
▲ 0.50% · 4.625%
HK$28,889
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,884/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,089
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,025
−HK$951/mo
Today · 4.125%
HK$31,976
baseline
▲ 0.50% · 4.625%
HK$33,922
+HK$1,946/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,952/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,474
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,372
−HK$911/mo
Today · 4.125%
HK$35,283
baseline
▲ 0.50% · 4.625%
HK$37,142
+HK$1,859/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,566/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,927 · 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).