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$16,733
−HK$1,049/mo
▼ 0.25% · 3.875%
HK$17,254
−HK$528/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,864
+HK$1,082/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,615
−HK$1,006/mo
▼ 0.25% · 3.875%
HK$19,115
−HK$506/mo
Today · 4.125%
HK$19,621
baseline
▲ 0.50% · 4.625%
HK$20,655
+HK$1,034/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,242/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,704
−HK$635/mo
Today · 4.125%
HK$21,339
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,298/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$42,678/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$607/mo
Today · 4.125%
HK$23,545
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.40M · min. income ≈ HK$47,090/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,426
−HK$1,469/mo
▼ 0.25% · 3.875%
HK$24,155
−HK$740/mo
Today · 4.125%
HK$24,895
baseline
▲ 0.50% · 4.625%
HK$26,410
+HK$1,515/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,790/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,062
−HK$1,408/mo
▼ 0.25% · 3.875%
HK$26,761
−HK$709/mo
Today · 4.125%
HK$27,470
baseline
▲ 0.50% · 4.625%
HK$28,918
+HK$1,448/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$54,940/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,120
−HK$1,888/mo
▼ 0.25% · 3.875%
HK$31,057
−HK$951/mo
Today · 4.125%
HK$32,008
baseline
▲ 0.50% · 4.625%
HK$33,956
+HK$1,948/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$64,016/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,508
−HK$1,810/mo
▼ 0.25% · 3.875%
HK$34,406
−HK$912/mo
Today · 4.125%
HK$35,318
baseline
▲ 0.50% · 4.625%
HK$37,180
+HK$1,862/mo
Deposit HK$734K · loan HK$6.60M · min. income ≈ HK$70,636/mo (50% DSR)
Upfront cash ≈ HK$954K (deposit + AVD stamp duty HK$220,149 · 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).