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$16,772
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$530/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,908
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,159
−HK$508/mo
Today · 4.125%
HK$19,667
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,334/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,127
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$636/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,690
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,991
−HK$609/mo
Today · 4.125%
HK$23,600
baseline
▲ 0.50% · 4.625%
HK$24,844
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,200/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,481
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,211
−HK$743/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,472
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,122
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,823
−HK$711/mo
Today · 4.125%
HK$27,534
baseline
▲ 0.50% · 4.625%
HK$28,985
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,068/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,190
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,129
−HK$954/mo
Today · 4.125%
HK$32,083
baseline
▲ 0.50% · 4.625%
HK$34,035
+HK$1,952/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,166/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,586
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,487
−HK$914/mo
Today · 4.125%
HK$35,401
baseline
▲ 0.50% · 4.625%
HK$37,267
+HK$1,866/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,802/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,662 · 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).