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$16,726
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,246
−HK$528/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,856
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,607
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,106
−HK$506/mo
Today · 4.125%
HK$19,612
baseline
▲ 0.50% · 4.625%
HK$20,646
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,224/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,695
−HK$634/mo
Today · 4.125%
HK$21,329
baseline
▲ 0.50% · 4.625%
HK$22,627
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,658/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,329
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,927
−HK$608/mo
Today · 4.125%
HK$23,535
baseline
▲ 0.50% · 4.625%
HK$24,775
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,070/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,416
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,144
−HK$740/mo
Today · 4.125%
HK$24,884
baseline
▲ 0.50% · 4.625%
HK$26,398
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,768/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,050
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,749
−HK$708/mo
Today · 4.125%
HK$27,457
baseline
▲ 0.50% · 4.625%
HK$28,905
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,914/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,106
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,043
−HK$951/mo
Today · 4.125%
HK$31,994
baseline
▲ 0.50% · 4.625%
HK$33,941
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,988/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,493
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,391
−HK$911/mo
Today · 4.125%
HK$35,302
baseline
▲ 0.50% · 4.625%
HK$37,163
+HK$1,861/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,604/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,050 · 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).