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$16,771
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,292
−HK$530/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,907
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,644/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,657
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,158
−HK$507/mo
Today · 4.125%
HK$19,665
baseline
▲ 0.50% · 4.625%
HK$20,702
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,330/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,125
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,751
−HK$636/mo
Today · 4.125%
HK$21,387
baseline
▲ 0.50% · 4.625%
HK$22,688
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,774/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,389
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$609/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,479
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,209
−HK$742/mo
Today · 4.125%
HK$24,951
baseline
▲ 0.50% · 4.625%
HK$26,469
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,902/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,120
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,821
−HK$710/mo
Today · 4.125%
HK$27,531
baseline
▲ 0.50% · 4.625%
HK$28,982
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,062/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,187
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,126
−HK$954/mo
Today · 4.125%
HK$32,080
baseline
▲ 0.50% · 4.625%
HK$34,032
+HK$1,952/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,160/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,583
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,484
−HK$913/mo
Today · 4.125%
HK$35,397
baseline
▲ 0.50% · 4.625%
HK$37,263
+HK$1,866/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,794/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,642 · 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).