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$16,752
−HK$1,051/mo
▼ 0.25% · 3.875%
HK$17,273
−HK$530/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$220,400 · 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$220,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,103
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,728
−HK$635/mo
Today · 4.125%
HK$21,363
baseline
▲ 0.50% · 4.625%
HK$22,663
+HK$1,300/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$42,726/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,364
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,964
−HK$608/mo
Today · 4.125%
HK$23,572
baseline
▲ 0.50% · 4.625%
HK$24,815
+HK$1,243/mo
Deposit HK$2.94M · loan HK$4.41M · min. income ≈ HK$47,144/mo (50% DSR)
Upfront cash ≈ HK$3.16M (deposit + AVD stamp duty HK$220,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$23,453
−HK$1,471/mo
▼ 0.25% · 3.875%
HK$24,183
−HK$741/mo
Today · 4.125%
HK$24,924
baseline
▲ 0.50% · 4.625%
HK$26,440
+HK$1,516/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$220,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,091
−HK$1,410/mo
▼ 0.25% · 3.875%
HK$26,791
−HK$710/mo
Today · 4.125%
HK$27,501
baseline
▲ 0.50% · 4.625%
HK$28,951
+HK$1,450/mo
Deposit HK$2.20M · loan HK$5.14M · min. income ≈ HK$55,002/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$220,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,154
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$31,092
−HK$953/mo
Today · 4.125%
HK$32,045
baseline
▲ 0.50% · 4.625%
HK$33,995
+HK$1,950/mo
Deposit HK$735K · loan HK$6.61M · min. income ≈ HK$64,090/mo (50% DSR)
Upfront cash ≈ HK$955K (deposit + AVD stamp duty HK$220,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,546
−HK$1,813/mo
▼ 0.25% · 3.875%
HK$34,446
−HK$913/mo
Today · 4.125%
HK$35,359
baseline
▲ 0.50% · 4.625%
HK$37,222
+HK$1,863/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$220,400 · 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).