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$16,736
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,257
−HK$529/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,868
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,619
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,118
−HK$507/mo
Today · 4.125%
HK$19,625
baseline
▲ 0.50% · 4.625%
HK$20,659
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,250/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$635/mo
Today · 4.125%
HK$21,343
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,686/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$608/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,431
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,160
−HK$740/mo
Today · 4.125%
HK$24,900
baseline
▲ 0.50% · 4.625%
HK$26,415
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,800/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,766
−HK$709/mo
Today · 4.125%
HK$27,475
baseline
▲ 0.50% · 4.625%
HK$28,923
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,950/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,125
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,062
−HK$952/mo
Today · 4.125%
HK$32,014
baseline
▲ 0.50% · 4.625%
HK$33,962
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,028/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,190 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,514
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,413
−HK$912/mo
Today · 4.125%
HK$35,325
baseline
▲ 0.50% · 4.625%
HK$37,187
+HK$1,862/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,650/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,190 · 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).