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$16,729
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$529/mo
Today · 4.125%
HK$17,778
baseline
▲ 0.50% · 4.625%
HK$18,859
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,556/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,610
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,110
−HK$506/mo
Today · 4.125%
HK$19,616
baseline
▲ 0.50% · 4.625%
HK$20,650
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,232/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,074
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$634/mo
Today · 4.125%
HK$21,333
baseline
▲ 0.50% · 4.625%
HK$22,631
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,666/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,931
−HK$608/mo
Today · 4.125%
HK$23,539
baseline
▲ 0.50% · 4.625%
HK$24,780
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,078/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,420
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,149
−HK$740/mo
Today · 4.125%
HK$24,889
baseline
▲ 0.50% · 4.625%
HK$26,403
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,778/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,055
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,753
−HK$709/mo
Today · 4.125%
HK$27,462
baseline
▲ 0.50% · 4.625%
HK$28,910
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,924/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,112
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,048
−HK$952/mo
Today · 4.125%
HK$32,000
baseline
▲ 0.50% · 4.625%
HK$33,947
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,000/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,499
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,397
−HK$912/mo
Today · 4.125%
HK$35,309
baseline
▲ 0.50% · 4.625%
HK$37,170
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,618/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,089 · 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).