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$16,747
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$529/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,631
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$506/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$635/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$608/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,807
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,446
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,175
−HK$741/mo
Today · 4.125%
HK$24,916
baseline
▲ 0.50% · 4.625%
HK$26,432
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,832/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,083
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$709/mo
Today · 4.125%
HK$27,492
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,984/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,082
−HK$953/mo
Today · 4.125%
HK$32,035
baseline
▲ 0.50% · 4.625%
HK$33,984
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,070/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,435
−HK$912/mo
Today · 4.125%
HK$35,347
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,864/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,694/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,332 · 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).