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$16,749
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$529/mo
Today · 4.125%
HK$17,799
baseline
▲ 0.50% · 4.625%
HK$18,882
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,598/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,633
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,133
−HK$507/mo
Today · 4.125%
HK$19,640
baseline
▲ 0.50% · 4.625%
HK$20,675
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,280/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$635/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,960
−HK$608/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,449
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,178
−HK$741/mo
Today · 4.125%
HK$24,919
baseline
▲ 0.50% · 4.625%
HK$26,435
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,838/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,087
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,786
−HK$710/mo
Today · 4.125%
HK$27,496
baseline
▲ 0.50% · 4.625%
HK$28,945
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,992/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,148
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,086
−HK$953/mo
Today · 4.125%
HK$32,039
baseline
▲ 0.50% · 4.625%
HK$33,988
+HK$1,949/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,078/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,540
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,439
−HK$913/mo
Today · 4.125%
HK$35,352
baseline
▲ 0.50% · 4.625%
HK$37,215
+HK$1,863/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,704/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,359 · 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).