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$16,753
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$529/mo
Today · 4.125%
HK$17,804
baseline
▲ 0.50% · 4.625%
HK$18,887
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,608/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,638
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,138
−HK$507/mo
Today · 4.125%
HK$19,645
baseline
▲ 0.50% · 4.625%
HK$20,681
+HK$1,036/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,290/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,104
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,730
−HK$635/mo
Today · 4.125%
HK$21,365
baseline
▲ 0.50% · 4.625%
HK$22,665
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,730/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,366
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,966
−HK$608/mo
Today · 4.125%
HK$23,574
baseline
▲ 0.50% · 4.625%
HK$24,817
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,148/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,455
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,184
−HK$742/mo
Today · 4.125%
HK$24,926
baseline
▲ 0.50% · 4.625%
HK$26,442
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,852/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,093
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,793
−HK$710/mo
Today · 4.125%
HK$27,503
baseline
▲ 0.50% · 4.625%
HK$28,953
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,006/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,156
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,094
−HK$953/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,997
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,549
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,448
−HK$913/mo
Today · 4.125%
HK$35,361
baseline
▲ 0.50% · 4.625%
HK$37,225
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,722/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,416 · 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).