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$16,742
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$530/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,874
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,625
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,124
−HK$507/mo
Today · 4.125%
HK$19,631
baseline
▲ 0.50% · 4.625%
HK$20,666
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,262/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,090
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,715
−HK$635/mo
Today · 4.125%
HK$21,350
baseline
▲ 0.50% · 4.625%
HK$22,649
+HK$1,299/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,700/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,350
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,949
−HK$608/mo
Today · 4.125%
HK$23,557
baseline
▲ 0.50% · 4.625%
HK$24,799
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,114/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,438
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,167
−HK$741/mo
Today · 4.125%
HK$24,908
baseline
▲ 0.50% · 4.625%
HK$26,424
+HK$1,516/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,816/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,075
−HK$1,409/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$710/mo
Today · 4.125%
HK$27,484
baseline
▲ 0.50% · 4.625%
HK$28,932
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,968/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,135
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$31,072
−HK$953/mo
Today · 4.125%
HK$32,025
baseline
▲ 0.50% · 4.625%
HK$33,973
+HK$1,948/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$64,050/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,525
−HK$1,811/mo
▼ 0.25% · 3.875%
HK$34,424
−HK$912/mo
Today · 4.125%
HK$35,336
baseline
▲ 0.50% · 4.625%
HK$37,199
+HK$1,863/mo
Deposit HK$734K · loan HK$6.61M · min. income ≈ HK$70,672/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,261 · 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).