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$16,766
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$529/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$508/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,696
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,320/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$636/mo
Today · 4.125%
HK$21,381
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,762/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$609/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$24,835
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$741/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,462
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,113
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,813
−HK$711/mo
Today · 4.125%
HK$27,524
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,048/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,179
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,118
−HK$953/mo
Today · 4.125%
HK$32,071
baseline
▲ 0.50% · 4.625%
HK$34,023
+HK$1,952/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,142/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,574
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,474
−HK$914/mo
Today · 4.125%
HK$35,388
baseline
▲ 0.50% · 4.625%
HK$37,253
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,776/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,582 · 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).