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$16,743
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$529/mo
Today · 4.125%
HK$17,793
baseline
▲ 0.50% · 4.625%
HK$18,876
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,586/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,627
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,126
−HK$507/mo
Today · 4.125%
HK$19,633
baseline
▲ 0.50% · 4.625%
HK$20,668
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,266/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,092
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$635/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,651
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,352
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$609/mo
Today · 4.125%
HK$23,560
baseline
▲ 0.50% · 4.625%
HK$24,801
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,120/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,441
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,170
−HK$740/mo
Today · 4.125%
HK$24,910
baseline
▲ 0.50% · 4.625%
HK$26,426
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,820/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,077
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,777
−HK$709/mo
Today · 4.125%
HK$27,486
baseline
▲ 0.50% · 4.625%
HK$28,935
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,972/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,138
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,075
−HK$953/mo
Today · 4.125%
HK$32,028
baseline
▲ 0.50% · 4.625%
HK$33,977
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,056/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,528
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,427
−HK$912/mo
Today · 4.125%
HK$35,339
baseline
▲ 0.50% · 4.625%
HK$37,202
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,678/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,281 · 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).