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$16,727
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$17,247
−HK$528/mo
Today · 4.125%
HK$17,775
baseline
▲ 0.50% · 4.625%
HK$18,857
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,550/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,608
−HK$1,005/mo
▼ 0.25% · 3.875%
HK$19,107
−HK$506/mo
Today · 4.125%
HK$19,613
baseline
▲ 0.50% · 4.625%
HK$20,647
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,226/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,072
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$634/mo
Today · 4.125%
HK$21,330
baseline
▲ 0.50% · 4.625%
HK$22,628
+HK$1,298/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$42,660/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,330
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,929
−HK$607/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,777
+HK$1,241/mo
Deposit HK$2.93M · loan HK$4.40M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$3.15M (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,417
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,146
−HK$740/mo
Today · 4.125%
HK$24,886
baseline
▲ 0.50% · 4.625%
HK$26,400
+HK$1,514/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$49,772/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,051
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,750
−HK$709/mo
Today · 4.125%
HK$27,459
baseline
▲ 0.50% · 4.625%
HK$28,906
+HK$1,447/mo
Deposit HK$2.20M · loan HK$5.13M · min. income ≈ HK$54,918/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,108
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,044
−HK$952/mo
Today · 4.125%
HK$31,996
baseline
▲ 0.50% · 4.625%
HK$33,943
+HK$1,947/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$63,992/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,495
−HK$1,809/mo
▼ 0.25% · 3.875%
HK$34,393
−HK$911/mo
Today · 4.125%
HK$35,304
baseline
▲ 0.50% · 4.625%
HK$37,165
+HK$1,861/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,608/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,061 · 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).