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$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,632
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,132
−HK$506/mo
Today · 4.125%
HK$19,638
baseline
▲ 0.50% · 4.625%
HK$20,674
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,276/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,097
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,723
−HK$635/mo
Today · 4.125%
HK$21,358
baseline
▲ 0.50% · 4.625%
HK$22,657
+HK$1,299/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$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,358
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,958
−HK$608/mo
Today · 4.125%
HK$23,566
baseline
▲ 0.50% · 4.625%
HK$24,808
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,132/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,447
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,176
−HK$741/mo
Today · 4.125%
HK$24,917
baseline
▲ 0.50% · 4.625%
HK$26,434
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,834/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,085
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,784
−HK$710/mo
Today · 4.125%
HK$27,494
baseline
▲ 0.50% · 4.625%
HK$28,943
+HK$1,449/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$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,146
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,084
−HK$953/mo
Today · 4.125%
HK$32,037
baseline
▲ 0.50% · 4.625%
HK$33,986
+HK$1,949/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$220,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,537
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,437
−HK$912/mo
Today · 4.125%
HK$35,349
baseline
▲ 0.50% · 4.625%
HK$37,213
+HK$1,864/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,698/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,343 · 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).