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$16,759
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$529/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,893
+HK$1,084/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,644
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,144
−HK$507/mo
Today · 4.125%
HK$19,651
baseline
▲ 0.50% · 4.625%
HK$20,687
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,302/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,110
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,736
−HK$635/mo
Today · 4.125%
HK$21,371
baseline
▲ 0.50% · 4.625%
HK$22,672
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,742/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,372
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,972
−HK$609/mo
Today · 4.125%
HK$23,581
baseline
▲ 0.50% · 4.625%
HK$24,824
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,162/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,462
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,192
−HK$741/mo
Today · 4.125%
HK$24,933
baseline
▲ 0.50% · 4.625%
HK$26,450
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,866/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,101
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,801
−HK$710/mo
Today · 4.125%
HK$27,511
baseline
▲ 0.50% · 4.625%
HK$28,961
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,022/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,165
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,104
−HK$953/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$34,008
+HK$1,951/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,114/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,559
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,459
−HK$913/mo
Today · 4.125%
HK$35,372
baseline
▲ 0.50% · 4.625%
HK$37,236
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,744/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,482 · 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).