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$16,775
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$530/mo
Today · 4.125%
HK$17,827
baseline
▲ 0.50% · 4.625%
HK$18,912
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,654/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,662
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,163
−HK$507/mo
Today · 4.125%
HK$19,670
baseline
▲ 0.50% · 4.625%
HK$20,707
+HK$1,037/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,340/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,130
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$636/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,694
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,995
−HK$609/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$24,849
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,485
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,216
−HK$742/mo
Today · 4.125%
HK$24,958
baseline
▲ 0.50% · 4.625%
HK$26,476
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,916/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,127
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,828
−HK$710/mo
Today · 4.125%
HK$27,538
baseline
▲ 0.50% · 4.625%
HK$28,990
+HK$1,452/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,076/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,195
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,134
−HK$954/mo
Today · 4.125%
HK$32,088
baseline
▲ 0.50% · 4.625%
HK$34,041
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,176/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,592
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,493
−HK$913/mo
Today · 4.125%
HK$35,406
baseline
▲ 0.50% · 4.625%
HK$37,273
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,812/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,699 · 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).