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$16,737
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,258
−HK$529/mo
Today · 4.125%
HK$17,787
baseline
▲ 0.50% · 4.625%
HK$18,869
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,574/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,620
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,119
−HK$507/mo
Today · 4.125%
HK$19,626
baseline
▲ 0.50% · 4.625%
HK$20,660
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,252/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$635/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$608/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,792
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,432
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,161
−HK$740/mo
Today · 4.125%
HK$24,901
baseline
▲ 0.50% · 4.625%
HK$26,416
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,802/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,068
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,767
−HK$709/mo
Today · 4.125%
HK$27,476
baseline
▲ 0.50% · 4.625%
HK$28,924
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,952/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,127
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,064
−HK$952/mo
Today · 4.125%
HK$32,016
baseline
▲ 0.50% · 4.625%
HK$33,964
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,032/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,516
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,414
−HK$912/mo
Today · 4.125%
HK$35,326
baseline
▲ 0.50% · 4.625%
HK$37,188
+HK$1,862/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,652/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,200 · 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).