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$16,725
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,245
−HK$528/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,855
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,606
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,105
−HK$506/mo
Today · 4.125%
HK$19,611
baseline
▲ 0.50% · 4.625%
HK$20,645
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,222/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,070
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$634/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,626
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$607/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,774
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,414
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,143
−HK$740/mo
Today · 4.125%
HK$24,883
baseline
▲ 0.50% · 4.625%
HK$26,397
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,766/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,048
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,747
−HK$709/mo
Today · 4.125%
HK$27,456
baseline
▲ 0.50% · 4.625%
HK$28,903
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,912/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,104
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,041
−HK$951/mo
Today · 4.125%
HK$31,992
baseline
▲ 0.50% · 4.625%
HK$33,939
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,984/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,491
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,389
−HK$911/mo
Today · 4.125%
HK$35,300
baseline
▲ 0.50% · 4.625%
HK$37,161
+HK$1,861/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,600/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,037 · 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).