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$16,733
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$529/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,865
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,616
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$506/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,656
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$634/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,638
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$608/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,241/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,427
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$741/mo
Today · 4.125%
HK$24,896
baseline
▲ 0.50% · 4.625%
HK$26,411
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,792/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$709/mo
Today · 4.125%
HK$27,470
baseline
▲ 0.50% · 4.625%
HK$28,918
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,940/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$31,057
−HK$952/mo
Today · 4.125%
HK$32,009
baseline
▲ 0.50% · 4.625%
HK$33,956
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,018/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,407
−HK$912/mo
Today · 4.125%
HK$35,319
baseline
▲ 0.50% · 4.625%
HK$37,180
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,638/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,151 · 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).