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$16,773
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,294
−HK$530/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,909
+HK$1,085/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,659
−HK$1,009/mo
▼ 0.25% · 3.875%
HK$19,160
−HK$508/mo
Today · 4.125%
HK$19,668
baseline
▲ 0.50% · 4.625%
HK$20,704
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,336/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,127
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$636/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,691
+HK$1,302/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,992
−HK$609/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,244/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,482
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,212
−HK$742/mo
Today · 4.125%
HK$24,954
baseline
▲ 0.50% · 4.625%
HK$26,473
+HK$1,519/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,908/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,123
−HK$1,412/mo
▼ 0.25% · 3.875%
HK$26,824
−HK$711/mo
Today · 4.125%
HK$27,535
baseline
▲ 0.50% · 4.625%
HK$28,986
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,070/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,191
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$31,130
−HK$954/mo
Today · 4.125%
HK$32,084
baseline
▲ 0.50% · 4.625%
HK$34,036
+HK$1,952/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$64,168/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,669 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,587
−HK$1,815/mo
▼ 0.25% · 3.875%
HK$34,488
−HK$914/mo
Today · 4.125%
HK$35,402
baseline
▲ 0.50% · 4.625%
HK$37,268
+HK$1,866/mo
Deposit HK$736K · loan HK$6.62M · min. income ≈ HK$70,804/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,669 · 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).