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$16,738
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$529/mo
Today · 4.125%
HK$17,788
baseline
▲ 0.50% · 4.625%
HK$18,870
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,576/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,621
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,120
−HK$507/mo
Today · 4.125%
HK$19,627
baseline
▲ 0.50% · 4.625%
HK$20,661
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,254/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,086
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,710
−HK$635/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,644
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,345
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,944
−HK$608/mo
Today · 4.125%
HK$23,552
baseline
▲ 0.50% · 4.625%
HK$24,794
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,104/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,433
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,162
−HK$741/mo
Today · 4.125%
HK$24,903
baseline
▲ 0.50% · 4.625%
HK$26,418
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,806/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,069
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,768
−HK$710/mo
Today · 4.125%
HK$27,478
baseline
▲ 0.50% · 4.625%
HK$28,926
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,956/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,128
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,066
−HK$952/mo
Today · 4.125%
HK$32,018
baseline
▲ 0.50% · 4.625%
HK$33,966
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,036/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,518
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,416
−HK$912/mo
Today · 4.125%
HK$35,328
baseline
▲ 0.50% · 4.625%
HK$37,191
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,656/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,212 · 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).