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$16,767
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$530/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,903
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,654
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,154
−HK$507/mo
Today · 4.125%
HK$19,661
baseline
▲ 0.50% · 4.625%
HK$20,698
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,322/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,121
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$636/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,684
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,384
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$609/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,474
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,204
−HK$742/mo
Today · 4.125%
HK$24,946
baseline
▲ 0.50% · 4.625%
HK$26,464
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,892/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,115
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,815
−HK$711/mo
Today · 4.125%
HK$27,526
baseline
▲ 0.50% · 4.625%
HK$28,977
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,052/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,181
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,120
−HK$954/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$34,025
+HK$1,951/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,576
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,477
−HK$913/mo
Today · 4.125%
HK$35,390
baseline
▲ 0.50% · 4.625%
HK$37,256
+HK$1,866/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,780/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,599 · 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).