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$1,051/mo
▼ 0.25% · 3.875%
HK$17,288
−HK$530/mo
Today · 4.125%
HK$17,818
baseline
▲ 0.50% · 4.625%
HK$18,902
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,636/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,653
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,153
−HK$507/mo
Today · 4.125%
HK$19,660
baseline
▲ 0.50% · 4.625%
HK$20,697
+HK$1,037/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$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,120
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,746
−HK$636/mo
Today · 4.125%
HK$21,382
baseline
▲ 0.50% · 4.625%
HK$22,683
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,764/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,383
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,984
−HK$609/mo
Today · 4.125%
HK$23,593
baseline
▲ 0.50% · 4.625%
HK$24,836
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,186/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,473
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,203
−HK$742/mo
Today · 4.125%
HK$24,945
baseline
▲ 0.50% · 4.625%
HK$26,463
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,890/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,114
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,814
−HK$711/mo
Today · 4.125%
HK$27,525
baseline
▲ 0.50% · 4.625%
HK$28,975
+HK$1,450/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,050/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,180
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,119
−HK$953/mo
Today · 4.125%
HK$32,072
baseline
▲ 0.50% · 4.625%
HK$34,024
+HK$1,952/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,144/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,575
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,475
−HK$914/mo
Today · 4.125%
HK$35,389
baseline
▲ 0.50% · 4.625%
HK$37,254
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,778/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,589 · 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).