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$16,744
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$529/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,877
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,588/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,628
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,127
−HK$507/mo
Today · 4.125%
HK$19,634
baseline
▲ 0.50% · 4.625%
HK$20,669
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,268/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,093
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,718
−HK$635/mo
Today · 4.125%
HK$21,353
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,706/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,953
−HK$608/mo
Today · 4.125%
HK$23,561
baseline
▲ 0.50% · 4.625%
HK$24,803
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,122/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,442
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,171
−HK$741/mo
Today · 4.125%
HK$24,912
baseline
▲ 0.50% · 4.625%
HK$26,428
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,824/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,079
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,778
−HK$710/mo
Today · 4.125%
HK$27,488
baseline
▲ 0.50% · 4.625%
HK$28,937
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,976/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,139
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,077
−HK$952/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,978
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,530
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,429
−HK$912/mo
Today · 4.125%
HK$35,341
baseline
▲ 0.50% · 4.625%
HK$37,204
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,682/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,293 · 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).