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$16,715
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,235
−HK$528/mo
Today · 4.125%
HK$17,763
baseline
▲ 0.50% · 4.625%
HK$18,844
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,526/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,596
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,094
−HK$506/mo
Today · 4.125%
HK$19,600
baseline
▲ 0.50% · 4.625%
HK$20,633
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,200/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,058
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,682
−HK$634/mo
Today · 4.125%
HK$21,316
baseline
▲ 0.50% · 4.625%
HK$22,613
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,632/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,913
−HK$607/mo
Today · 4.125%
HK$23,520
baseline
▲ 0.50% · 4.625%
HK$24,760
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,040/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,401
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,129
−HK$740/mo
Today · 4.125%
HK$24,869
baseline
▲ 0.50% · 4.625%
HK$26,382
+HK$1,513/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,738/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,034
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,732
−HK$708/mo
Today · 4.125%
HK$27,440
baseline
▲ 0.50% · 4.625%
HK$28,887
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,880/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,088
−HK$1,886/mo
▼ 0.25% · 3.875%
HK$31,023
−HK$951/mo
Today · 4.125%
HK$31,974
baseline
▲ 0.50% · 4.625%
HK$33,920
+HK$1,946/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,948/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,472
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,370
−HK$910/mo
Today · 4.125%
HK$35,280
baseline
▲ 0.50% · 4.625%
HK$37,140
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,560/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,914 · 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).