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$16,765
−HK$1,052/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$530/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,901
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,651
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,151
−HK$508/mo
Today · 4.125%
HK$19,659
baseline
▲ 0.50% · 4.625%
HK$20,695
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,318/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,118
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,744
−HK$636/mo
Today · 4.125%
HK$21,380
baseline
▲ 0.50% · 4.625%
HK$22,681
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,760/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,382
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,982
−HK$609/mo
Today · 4.125%
HK$23,591
baseline
▲ 0.50% · 4.625%
HK$24,834
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,182/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,471
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$741/mo
Today · 4.125%
HK$24,943
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,518/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,886/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$710/mo
Today · 4.125%
HK$27,522
baseline
▲ 0.50% · 4.625%
HK$28,973
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,044/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,116
−HK$954/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,021
+HK$1,951/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,572
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$913/mo
Today · 4.125%
HK$35,386
baseline
▲ 0.50% · 4.625%
HK$37,251
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,772/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,572 · 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).