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$16,781
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$530/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,919
+HK$1,086/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,669
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,170
−HK$507/mo
Today · 4.125%
HK$19,677
baseline
▲ 0.50% · 4.625%
HK$20,715
+HK$1,038/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,354/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,137
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$636/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,003
−HK$610/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,245/mo
Deposit HK$2.94M · loan HK$4.42M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,494
−HK$1,473/mo
▼ 0.25% · 3.875%
HK$24,224
−HK$743/mo
Today · 4.125%
HK$24,967
baseline
▲ 0.50% · 4.625%
HK$26,486
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,934/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,136
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,837
−HK$711/mo
Today · 4.125%
HK$27,548
baseline
▲ 0.50% · 4.625%
HK$29,001
+HK$1,453/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,096/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,206
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$31,146
−HK$954/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$34,053
+HK$1,953/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,604
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,505
−HK$914/mo
Today · 4.125%
HK$35,419
baseline
▲ 0.50% · 4.625%
HK$37,286
+HK$1,867/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,838/mo (50% DSR)
Upfront cash ≈ HK$957K (deposit + AVD stamp duty HK$220,780 · 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).