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$16,747
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,268
−HK$530/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,880
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,631
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,131
−HK$507/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,673
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,722
−HK$635/mo
Today · 4.125%
HK$21,357
baseline
▲ 0.50% · 4.625%
HK$22,657
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,714/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,357
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,957
−HK$608/mo
Today · 4.125%
HK$23,565
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,130/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,446
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$741/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,433
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,084
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,783
−HK$710/mo
Today · 4.125%
HK$27,493
baseline
▲ 0.50% · 4.625%
HK$28,942
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,986/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,145
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,083
−HK$953/mo
Today · 4.125%
HK$32,036
baseline
▲ 0.50% · 4.625%
HK$33,985
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,072/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,335 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,536
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,436
−HK$912/mo
Today · 4.125%
HK$35,348
baseline
▲ 0.50% · 4.625%
HK$37,211
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,696/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,335 · 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).