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$16,756
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$529/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$1,084/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,641
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$508/mo
Today · 4.125%
HK$19,648
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,296/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$636/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,969
−HK$608/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,188
−HK$741/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,446
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,097
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,797
−HK$710/mo
Today · 4.125%
HK$27,507
baseline
▲ 0.50% · 4.625%
HK$28,957
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,014/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$954/mo
Today · 4.125%
HK$32,052
baseline
▲ 0.50% · 4.625%
HK$34,002
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,104/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,553
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,453
−HK$913/mo
Today · 4.125%
HK$35,366
baseline
▲ 0.50% · 4.625%
HK$37,230
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,732/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,445 · 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).