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$16,732
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,252
−HK$529/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,863
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,614
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,113
−HK$507/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,654
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,240/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,703
−HK$634/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,936
−HK$608/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,153
−HK$741/mo
Today · 4.125%
HK$24,894
baseline
▲ 0.50% · 4.625%
HK$26,408
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,788/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,060
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$709/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$28,915
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,936/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,117
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,054
−HK$952/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,954
+HK$1,948/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,505
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,404
−HK$912/mo
Today · 4.125%
HK$35,316
baseline
▲ 0.50% · 4.625%
HK$37,177
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,632/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,132 · 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).