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$16,753
−HK$1,050/mo
▼ 0.25% · 3.875%
HK$17,274
−HK$529/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,886
+HK$1,083/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$35,606/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,637
−HK$1,007/mo
▼ 0.25% · 3.875%
HK$19,137
−HK$507/mo
Today · 4.125%
HK$19,644
baseline
▲ 0.50% · 4.625%
HK$20,679
+HK$1,035/mo
Deposit HK$3.67M · loan HK$3.67M · min. income ≈ HK$39,288/mo (50% DSR)
Upfront cash ≈ HK$3.89M (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,103
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$636/mo
Today · 4.125%
HK$21,364
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,728/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$609/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$24,815
+HK$1,242/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,454
−HK$1,470/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$741/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,441
+HK$1,517/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$49,848/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,092
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,792
−HK$710/mo
Today · 4.125%
HK$27,502
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,449/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,004/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,155
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,093
−HK$953/mo
Today · 4.125%
HK$32,046
baseline
▲ 0.50% · 4.625%
HK$33,996
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,092/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,547
−HK$1,812/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$913/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,223
+HK$1,864/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$70,718/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,405 · 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).