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$16,774
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$530/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,910
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,660
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,161
−HK$508/mo
Today · 4.125%
HK$19,669
baseline
▲ 0.50% · 4.625%
HK$20,705
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,338/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,128
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,754
−HK$636/mo
Today · 4.125%
HK$21,390
baseline
▲ 0.50% · 4.625%
HK$22,692
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,780/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,392
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,993
−HK$609/mo
Today · 4.125%
HK$23,602
baseline
▲ 0.50% · 4.625%
HK$24,846
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,204/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,483
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,213
−HK$743/mo
Today · 4.125%
HK$24,956
baseline
▲ 0.50% · 4.625%
HK$26,474
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,912/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,125
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,825
−HK$711/mo
Today · 4.125%
HK$27,536
baseline
▲ 0.50% · 4.625%
HK$28,987
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,072/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,192
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,132
−HK$954/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$34,038
+HK$1,952/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,589
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,490
−HK$913/mo
Today · 4.125%
HK$35,403
baseline
▲ 0.50% · 4.625%
HK$37,270
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,806/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,680 · 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).