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$16,717
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,237
−HK$528/mo
Today · 4.125%
HK$17,765
baseline
▲ 0.50% · 4.625%
HK$18,846
+HK$1,081/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,530/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,598
−HK$1,004/mo
▼ 0.25% · 3.875%
HK$19,096
−HK$506/mo
Today · 4.125%
HK$19,602
baseline
▲ 0.50% · 4.625%
HK$20,636
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,204/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$634/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,616
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,916
−HK$607/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,763
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,404
−HK$1,467/mo
▼ 0.25% · 3.875%
HK$24,132
−HK$739/mo
Today · 4.125%
HK$24,871
baseline
▲ 0.50% · 4.625%
HK$26,385
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,742/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,037
−HK$1,406/mo
▼ 0.25% · 3.875%
HK$26,735
−HK$708/mo
Today · 4.125%
HK$27,443
baseline
▲ 0.50% · 4.625%
HK$28,890
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,886/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,091
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,027
−HK$951/mo
Today · 4.125%
HK$31,978
baseline
▲ 0.50% · 4.625%
HK$33,923
+HK$1,945/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,956/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,476
−HK$1,808/mo
▼ 0.25% · 3.875%
HK$34,373
−HK$911/mo
Today · 4.125%
HK$35,284
baseline
▲ 0.50% · 4.625%
HK$37,144
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,568/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$219,937 · 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).