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$16,728
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,248
−HK$529/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,858
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,609
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,108
−HK$507/mo
Today · 4.125%
HK$19,615
baseline
▲ 0.50% · 4.625%
HK$20,649
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,230/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$634/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,630
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$608/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,419
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,147
−HK$740/mo
Today · 4.125%
HK$24,887
baseline
▲ 0.50% · 4.625%
HK$26,402
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,774/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,053
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,752
−HK$709/mo
Today · 4.125%
HK$27,461
baseline
▲ 0.50% · 4.625%
HK$28,908
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,922/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,110
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,046
−HK$952/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,945
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,497
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,395
−HK$912/mo
Today · 4.125%
HK$35,307
baseline
▲ 0.50% · 4.625%
HK$37,168
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,614/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,077 · 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).