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$16,729
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$528/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,860
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,611
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$506/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$635/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,632
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$608/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,421
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$740/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,404
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,754
−HK$709/mo
Today · 4.125%
HK$27,463
baseline
▲ 0.50% · 4.625%
HK$28,911
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,926/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,049
−HK$952/mo
Today · 4.125%
HK$32,001
baseline
▲ 0.50% · 4.625%
HK$33,948
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,002/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,500
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,398
−HK$912/mo
Today · 4.125%
HK$35,310
baseline
▲ 0.50% · 4.625%
HK$37,171
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,620/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,096 · 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).