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$16,723
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,243
−HK$528/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,853
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,604
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,103
−HK$506/mo
Today · 4.125%
HK$19,609
baseline
▲ 0.50% · 4.625%
HK$20,642
+HK$1,033/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,218/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,067
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$635/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,623
+HK$1,297/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,324
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,923
−HK$608/mo
Today · 4.125%
HK$23,531
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,240/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,062/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,412
−HK$1,468/mo
▼ 0.25% · 3.875%
HK$24,140
−HK$740/mo
Today · 4.125%
HK$24,880
baseline
▲ 0.50% · 4.625%
HK$26,394
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,760/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,045
−HK$1,407/mo
▼ 0.25% · 3.875%
HK$26,744
−HK$708/mo
Today · 4.125%
HK$27,452
baseline
▲ 0.50% · 4.625%
HK$28,899
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,904/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,101
−HK$1,887/mo
▼ 0.25% · 3.875%
HK$31,037
−HK$951/mo
Today · 4.125%
HK$31,988
baseline
▲ 0.50% · 4.625%
HK$33,935
+HK$1,947/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$63,976/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,487
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,385
−HK$911/mo
Today · 4.125%
HK$35,296
baseline
▲ 0.50% · 4.625%
HK$37,156
+HK$1,860/mo
Deposit HK$733K · loan HK$6.60M · min. income ≈ HK$70,592/mo (50% DSR)
Upfront cash ≈ HK$953K (deposit + AVD stamp duty HK$220,010 · 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).