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$16,735
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,255
−HK$529/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,866
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,617
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,116
−HK$507/mo
Today · 4.125%
HK$19,623
baseline
▲ 0.50% · 4.625%
HK$20,657
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,246/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,081
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,706
−HK$635/mo
Today · 4.125%
HK$21,341
baseline
▲ 0.50% · 4.625%
HK$22,639
+HK$1,298/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,682/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,340
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,940
−HK$607/mo
Today · 4.125%
HK$23,547
baseline
▲ 0.50% · 4.625%
HK$24,789
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,094/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,428
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,157
−HK$740/mo
Today · 4.125%
HK$24,897
baseline
▲ 0.50% · 4.625%
HK$26,412
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,794/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,064
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,763
−HK$709/mo
Today · 4.125%
HK$27,472
baseline
▲ 0.50% · 4.625%
HK$28,920
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,944/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,122
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,059
−HK$952/mo
Today · 4.125%
HK$32,011
baseline
▲ 0.50% · 4.625%
HK$33,959
+HK$1,948/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,022/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,511
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,409
−HK$912/mo
Today · 4.125%
HK$35,321
baseline
▲ 0.50% · 4.625%
HK$37,183
+HK$1,862/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,642/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,167 · 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).