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$16,723
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$529/mo
Today · 4.125%
HK$17,772
baseline
▲ 0.50% · 4.625%
HK$18,853
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,544/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,604
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$507/mo
Today · 4.125%
HK$19,610
baseline
▲ 0.50% · 4.625%
HK$20,643
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,220/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,068
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$634/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$607/mo
Today · 4.125%
HK$23,531
baseline
▲ 0.50% · 4.625%
HK$24,772
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,062/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,413
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,141
−HK$740/mo
Today · 4.125%
HK$24,881
baseline
▲ 0.50% · 4.625%
HK$26,395
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,762/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,046
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,745
−HK$708/mo
Today · 4.125%
HK$27,453
baseline
▲ 0.50% · 4.625%
HK$28,901
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,906/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,102
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,038
−HK$951/mo
Today · 4.125%
HK$31,989
baseline
▲ 0.50% · 4.625%
HK$33,936
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,978/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,018 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,488
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,386
−HK$911/mo
Today · 4.125%
HK$35,297
baseline
▲ 0.50% · 4.625%
HK$37,158
+HK$1,861/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,594/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,018 · 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).