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$16,730
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$528/mo
Today · 4.125%
HK$17,779
baseline
▲ 0.50% · 4.625%
HK$18,861
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,558/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,612
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,111
−HK$507/mo
Today · 4.125%
HK$19,618
baseline
▲ 0.50% · 4.625%
HK$20,652
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,236/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,076
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,701
−HK$634/mo
Today · 4.125%
HK$21,335
baseline
▲ 0.50% · 4.625%
HK$22,633
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,670/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,335
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,934
−HK$607/mo
Today · 4.125%
HK$23,541
baseline
▲ 0.50% · 4.625%
HK$24,782
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,082/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,422
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,151
−HK$740/mo
Today · 4.125%
HK$24,891
baseline
▲ 0.50% · 4.625%
HK$26,406
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,782/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,057
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,756
−HK$709/mo
Today · 4.125%
HK$27,465
baseline
▲ 0.50% · 4.625%
HK$28,912
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,930/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,114
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,051
−HK$952/mo
Today · 4.125%
HK$32,003
baseline
▲ 0.50% · 4.625%
HK$33,950
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,006/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,502
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,400
−HK$912/mo
Today · 4.125%
HK$35,312
baseline
▲ 0.50% · 4.625%
HK$37,173
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,624/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,109 · 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).