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$16,722
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,242
−HK$529/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,852
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,603
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,102
−HK$506/mo
Today · 4.125%
HK$19,608
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,216/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$634/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,324
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$608/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,411
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,139
−HK$740/mo
Today · 4.125%
HK$24,879
baseline
▲ 0.50% · 4.625%
HK$26,393
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,758/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,044
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,743
−HK$708/mo
Today · 4.125%
HK$27,451
baseline
▲ 0.50% · 4.625%
HK$28,898
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,902/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,100
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,036
−HK$951/mo
Today · 4.125%
HK$31,987
baseline
▲ 0.50% · 4.625%
HK$33,934
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,974/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,486
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,384
−HK$911/mo
Today · 4.125%
HK$35,295
baseline
▲ 0.50% · 4.625%
HK$37,155
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,590/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,003 · 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).