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$16,758
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$530/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,892
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,643
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,143
−HK$507/mo
Today · 4.125%
HK$19,650
baseline
▲ 0.50% · 4.625%
HK$20,686
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,300/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,735
−HK$635/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,671
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$609/mo
Today · 4.125%
HK$23,580
baseline
▲ 0.50% · 4.625%
HK$24,823
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,160/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,461
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,191
−HK$741/mo
Today · 4.125%
HK$24,932
baseline
▲ 0.50% · 4.625%
HK$26,449
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,864/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,100
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,800
−HK$710/mo
Today · 4.125%
HK$27,510
baseline
▲ 0.50% · 4.625%
HK$28,960
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,020/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,164
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,102
−HK$953/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$34,006
+HK$1,951/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,472 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,557
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,457
−HK$913/mo
Today · 4.125%
HK$35,370
baseline
▲ 0.50% · 4.625%
HK$37,234
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,740/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,472 · 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).