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$16,739
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$529/mo
Today · 4.125%
HK$17,789
baseline
▲ 0.50% · 4.625%
HK$18,871
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,578/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,622
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,121
−HK$507/mo
Today · 4.125%
HK$19,628
baseline
▲ 0.50% · 4.625%
HK$20,663
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,256/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,087
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,712
−HK$634/mo
Today · 4.125%
HK$21,346
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,692/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,346
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$608/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,795
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,435
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,163
−HK$741/mo
Today · 4.125%
HK$24,904
baseline
▲ 0.50% · 4.625%
HK$26,419
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,808/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,071
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,770
−HK$709/mo
Today · 4.125%
HK$27,479
baseline
▲ 0.50% · 4.625%
HK$28,928
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,958/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,130
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,067
−HK$953/mo
Today · 4.125%
HK$32,020
baseline
▲ 0.50% · 4.625%
HK$33,968
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,040/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,519
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,418
−HK$912/mo
Today · 4.125%
HK$35,330
baseline
▲ 0.50% · 4.625%
HK$37,193
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,660/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,225 · 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).