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$16,746
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,267
−HK$530/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,879
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,630
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,130
−HK$507/mo
Today · 4.125%
HK$19,637
baseline
▲ 0.50% · 4.625%
HK$20,672
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,274/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$635/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,655
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,356
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$608/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,806
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,445
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,174
−HK$741/mo
Today · 4.125%
HK$24,915
baseline
▲ 0.50% · 4.625%
HK$26,431
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,830/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,082
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,782
−HK$709/mo
Today · 4.125%
HK$27,491
baseline
▲ 0.50% · 4.625%
HK$28,941
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,982/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,143
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,081
−HK$953/mo
Today · 4.125%
HK$32,034
baseline
▲ 0.50% · 4.625%
HK$33,983
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,068/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,534
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,434
−HK$912/mo
Today · 4.125%
HK$35,346
baseline
▲ 0.50% · 4.625%
HK$37,209
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,692/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,323 · 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).