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$16,760
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$529/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,895
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,646
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$507/mo
Today · 4.125%
HK$19,653
baseline
▲ 0.50% · 4.625%
HK$20,689
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,306/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,112
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$635/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,975
−HK$608/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,464
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,194
−HK$742/mo
Today · 4.125%
HK$24,936
baseline
▲ 0.50% · 4.625%
HK$26,453
+HK$1,517/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,872/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,104
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,804
−HK$710/mo
Today · 4.125%
HK$27,514
baseline
▲ 0.50% · 4.625%
HK$28,964
+HK$1,450/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,028/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,168
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,107
−HK$953/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$34,011
+HK$1,951/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,562
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,462
−HK$913/mo
Today · 4.125%
HK$35,375
baseline
▲ 0.50% · 4.625%
HK$37,240
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,750/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,504 · 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).