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$16,724
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,244
−HK$529/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,854
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,605
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,104
−HK$507/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,644
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,069
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,693
−HK$634/mo
Today · 4.125%
HK$21,327
baseline
▲ 0.50% · 4.625%
HK$22,625
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,654/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,326
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,925
−HK$608/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,773
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,142
−HK$740/mo
Today · 4.125%
HK$24,882
baseline
▲ 0.50% · 4.625%
HK$26,396
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,764/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,746
−HK$709/mo
Today · 4.125%
HK$27,455
baseline
▲ 0.50% · 4.625%
HK$28,902
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,910/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,103
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,040
−HK$951/mo
Today · 4.125%
HK$31,991
baseline
▲ 0.50% · 4.625%
HK$33,938
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,982/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,490
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,388
−HK$911/mo
Today · 4.125%
HK$35,299
baseline
▲ 0.50% · 4.625%
HK$37,160
+HK$1,861/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,598/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,030 · 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).