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$16,766
−HK$1,051/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$220,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,652
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,152
−HK$507/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$220,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,261/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$220,575 · 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$24,835
+HK$1,244/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$220,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,472
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,202
−HK$742/mo
Today · 4.125%
HK$24,944
baseline
▲ 0.50% · 4.625%
HK$26,461
+HK$1,517/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,888/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,112
−HK$1,411/mo
▼ 0.25% · 3.875%
HK$26,812
−HK$711/mo
Today · 4.125%
HK$27,523
baseline
▲ 0.50% · 4.625%
HK$28,974
+HK$1,451/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,046/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,178
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,117
−HK$953/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$34,022
+HK$1,952/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$220,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,573
−HK$1,814/mo
▼ 0.25% · 3.875%
HK$34,473
−HK$914/mo
Today · 4.125%
HK$35,387
baseline
▲ 0.50% · 4.625%
HK$37,252
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,774/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,575 · 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).