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$1,050/mo
▼ 0.25% · 3.875%
HK$17,253
−HK$529/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,864
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,615
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,114
−HK$506/mo
Today · 4.125%
HK$19,620
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,035/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$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,703
−HK$635/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,298/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,338
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$607/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$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,425
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,154
−HK$740/mo
Today · 4.125%
HK$24,894
baseline
▲ 0.50% · 4.625%
HK$26,409
+HK$1,515/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$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,061
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,759
−HK$709/mo
Today · 4.125%
HK$27,468
baseline
▲ 0.50% · 4.625%
HK$28,916
+HK$1,448/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$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,118
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,055
−HK$952/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,955
+HK$1,948/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,139 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,506
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,405
−HK$912/mo
Today · 4.125%
HK$35,317
baseline
▲ 0.50% · 4.625%
HK$37,178
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,634/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,139 · 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).