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$16,764
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$530/mo
Today · 4.125%
HK$17,815
baseline
▲ 0.50% · 4.625%
HK$18,899
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,630/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,650
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,150
−HK$507/mo
Today · 4.125%
HK$19,657
baseline
▲ 0.50% · 4.625%
HK$20,693
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,314/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,117
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,742
−HK$636/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,679
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$609/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,469
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,199
−HK$742/mo
Today · 4.125%
HK$24,941
baseline
▲ 0.50% · 4.625%
HK$26,459
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,882/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,109
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,810
−HK$710/mo
Today · 4.125%
HK$27,520
baseline
▲ 0.50% · 4.625%
HK$28,971
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,040/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,175
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,114
−HK$953/mo
Today · 4.125%
HK$32,067
baseline
▲ 0.50% · 4.625%
HK$34,018
+HK$1,951/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,134/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,569
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,470
−HK$913/mo
Today · 4.125%
HK$35,383
baseline
▲ 0.50% · 4.625%
HK$37,248
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,766/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,553 · 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).