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$16,748
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,269
−HK$529/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,881
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$507/mo
Today · 4.125%
HK$19,639
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,278/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,098
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$635/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,658
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,716/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,359
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$609/mo
Today · 4.125%
HK$23,567
baseline
▲ 0.50% · 4.625%
HK$24,809
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,134/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,448
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,177
−HK$741/mo
Today · 4.125%
HK$24,918
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,836/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,785
−HK$709/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,944
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,988/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,147
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,085
−HK$952/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,987
+HK$1,950/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,074/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,538
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,438
−HK$912/mo
Today · 4.125%
HK$35,350
baseline
▲ 0.50% · 4.625%
HK$37,213
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,700/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,347 · 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).