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$16,759
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$530/mo
Today · 4.125%
HK$17,810
baseline
▲ 0.50% · 4.625%
HK$18,894
+HK$1,084/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,620/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$508/mo
Today · 4.125%
HK$19,652
baseline
▲ 0.50% · 4.625%
HK$20,688
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,304/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,111
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$635/mo
Today · 4.125%
HK$21,372
baseline
▲ 0.50% · 4.625%
HK$22,673
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,744/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,373
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,973
−HK$609/mo
Today · 4.125%
HK$23,582
baseline
▲ 0.50% · 4.625%
HK$24,825
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,164/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,463
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,193
−HK$741/mo
Today · 4.125%
HK$24,934
baseline
▲ 0.50% · 4.625%
HK$26,451
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,868/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,102
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,802
−HK$710/mo
Today · 4.125%
HK$27,512
baseline
▲ 0.50% · 4.625%
HK$28,963
+HK$1,451/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,024/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,166
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,105
−HK$953/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$34,009
+HK$1,951/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,560
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,460
−HK$913/mo
Today · 4.125%
HK$35,373
baseline
▲ 0.50% · 4.625%
HK$37,238
+HK$1,865/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,746/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,491 · 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).