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$16,761
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$530/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,896
+HK$1,084/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$35,624/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,646
−HK$1,008/mo
▼ 0.25% · 3.875%
HK$19,146
−HK$508/mo
Today · 4.125%
HK$19,654
baseline
▲ 0.50% · 4.625%
HK$20,690
+HK$1,036/mo
Deposit HK$3.68M · loan HK$3.68M · min. income ≈ HK$39,308/mo (50% DSR)
Upfront cash ≈ HK$3.90M (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,113
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,739
−HK$635/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,301/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,975
−HK$609/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,465
−HK$1,472/mo
▼ 0.25% · 3.875%
HK$24,195
−HK$742/mo
Today · 4.125%
HK$24,937
baseline
▲ 0.50% · 4.625%
HK$26,454
+HK$1,517/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$49,874/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,105
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,805
−HK$710/mo
Today · 4.125%
HK$27,515
baseline
▲ 0.50% · 4.625%
HK$28,965
+HK$1,450/mo
Deposit HK$2.21M · loan HK$5.15M · min. income ≈ HK$55,030/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,169
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$31,108
−HK$953/mo
Today · 4.125%
HK$32,061
baseline
▲ 0.50% · 4.625%
HK$34,012
+HK$1,951/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$64,122/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,563
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,463
−HK$913/mo
Today · 4.125%
HK$35,376
baseline
▲ 0.50% · 4.625%
HK$37,241
+HK$1,865/mo
Deposit HK$735K · loan HK$6.62M · min. income ≈ HK$70,752/mo (50% DSR)
Upfront cash ≈ HK$956K (deposit + AVD stamp duty HK$220,512 · 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).