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$16,755
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$529/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,890
+HK$1,084/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,640
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,140
−HK$507/mo
Today · 4.125%
HK$19,647
baseline
▲ 0.50% · 4.625%
HK$20,683
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,294/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,732
−HK$635/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,368
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$609/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,458
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,187
−HK$742/mo
Today · 4.125%
HK$24,929
baseline
▲ 0.50% · 4.625%
HK$26,445
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,858/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,096
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,796
−HK$710/mo
Today · 4.125%
HK$27,506
baseline
▲ 0.50% · 4.625%
HK$28,956
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,012/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,160
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,098
−HK$953/mo
Today · 4.125%
HK$32,051
baseline
▲ 0.50% · 4.625%
HK$34,001
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,102/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,552
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,452
−HK$913/mo
Today · 4.125%
HK$35,365
baseline
▲ 0.50% · 4.625%
HK$37,229
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,730/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,442 · 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).