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$16,743
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,263
−HK$529/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,875
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,626
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,125
−HK$507/mo
Today · 4.125%
HK$19,632
baseline
▲ 0.50% · 4.625%
HK$20,667
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,264/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,091
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,716
−HK$635/mo
Today · 4.125%
HK$21,351
baseline
▲ 0.50% · 4.625%
HK$22,650
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,702/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,351
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,951
−HK$608/mo
Today · 4.125%
HK$23,559
baseline
▲ 0.50% · 4.625%
HK$24,801
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,118/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,440
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,169
−HK$740/mo
Today · 4.125%
HK$24,909
baseline
▲ 0.50% · 4.625%
HK$26,425
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,818/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,076
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,776
−HK$709/mo
Today · 4.125%
HK$27,485
baseline
▲ 0.50% · 4.625%
HK$28,934
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,970/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,137
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,074
−HK$952/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,975
+HK$1,949/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,527
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,426
−HK$912/mo
Today · 4.125%
HK$35,338
baseline
▲ 0.50% · 4.625%
HK$37,201
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,676/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,273 · 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).