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$16,728
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$529/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,109
−HK$506/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$635/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,332
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$607/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,779
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,148
−HK$740/mo
Today · 4.125%
HK$24,888
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,776/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,054
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$708/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$28,909
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,111
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,047
−HK$952/mo
Today · 4.125%
HK$31,999
baseline
▲ 0.50% · 4.625%
HK$33,946
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$63,998/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,498
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,396
−HK$912/mo
Today · 4.125%
HK$35,308
baseline
▲ 0.50% · 4.625%
HK$37,169
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,616/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,083 · 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).